The typical high deductible health plans these days only seem to work well for people that need like no healthcare, or people who need a ton of it.

My secret trick is to have an incurable condition where the medications to hopefully stabilize you or slow progress of the disease are so hilariously expensive that the pharma company will pay all of my out of pocket costs. It’s like my employer pays me my salary, then my insurance company pays an entire separate yearly salary to the pharma company.