<prompt> Human: About me: 26 yo maleInsurance Plan: High PPO until 1231, HSA high deductible starting 11Enrollment: Being a healthy young guy I switched my high ppo to HSA, thinking a would save money. I did this around 121 and enrollment is now closed.Melanoma Diagnosis: I wanted to take advantage of my high PPO with only a few weeks remaining on it, so I went to all the doctors to get it out of the way. Turns out a had a weird growth on my back that needed to be removed and tested. Report came back yesterday, I was called in, they cut even more out and told me I have Melanoma which would require more testing oncologist biopsy etc and followup appointments every 3 months with the dermatologist.The Catch: I have a swollen lymph node that is worrisome. Luckily I am getting an ultrasound on it today, 1229 covered under high ppo. Unfortunately I will need a biopsy done as well which will not get done before my new plan kicks in. A biopsy costs 3k from what Ive been reading. Deductible Issues:My deductible is 3,350, with my company putting in 1,000 over 12 months. Right now I have 0 on the account, with 1,150 going in of my money on January 1st. i only put this in because I am scared of these impending medical costs, with 100 a month coming from me as well. Now I think im going to hit this deductible fast and with no money from my company in my account yet, I will be footing the whole bill of 3,350. Solutions? Any thoughts on what to do here? I cant believe I switched from my great insurance plan 180 per month full coverage to the HSA plan and now have Melanoma and need all this testing done. I feel like such an idiot. Does anyone have any advice for me? Is there a way to switch back or did I screw myself?  <response>: Youre not an idiot, and dont beat yourself up for it. Keep in mind that theres no withdrawal deadlines with HSAs, so you can still withdraw the money from the HSA later in the year to make up for the 3K in expenses. I made the switch for the upcoming year as well, and once the deductible is met, my copay rate is only a third of what it was in my old PPO. You might still be better off with a high deductible plan. 