You are 23, healthy, and just graduated from college. You ha…
You are 23, healthy, and just graduated from college. You have no dependents, and your hobbies do not involve putting yourself in physical peril. Your employer will either give you full healthcare coverage through one of their HMOs or PPOs, or will contribute 1/3 of that value into an FSA for you, enough to cover an HDHP, and give another 1/3 to you as an increase to your paycheck. Which plan should you choose?
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