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One other wrinkle is meds. We both have at least one med, and they each are rather expensive ($1000+). If I do HDHP, there will be some discount (not sure how much), and then we have to pay the rest up until we meet deductible. I guess the benefit is that we'll meet deductible faster.

Walgreens only says "your insurance saved you $xxxx", and shows the copay we currently pay as our responsibility. No indication of the discount/adjustment we would receive in an HDHP. Hmmmm...

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