Nothing some acetone can’t take care of.

Are you saying that your driver’s license number contains your name? Do you get a new number if you change your name?

Generally the lower the deductible, someone is paying more upfront. How that is split between employer and employee is unknown to me. My last two jobs have had similar high deductible plans.

But now you’re paying your bills with post tax dollars instead of pretax.

The main difference is FSA is use it or lose it. I got Lasik many years ago because I had 1 month to use $2000 in my FSA.

HSA is like a 401k that you can deduct from immediately for medical needs.

My company has high deductible plan with $1800 deductible and another with $3600 deductible. I just divide those by 12 and add to monthly premium when comparing against HMO/PPO plans.

I’m single and old.

I save money with the HSA/high deductible. I always plan around using 100% of deductible. Premium plus HSA contribution is less than the PPO option.

I’ll never pick an 80/20 plan. They generally charge more and cover less.

And I’m an old hag and have recently got cataract surgery in both eyes, hearing aids, etc.

Right there with you. Mine is 5 years old with about 110k miles. Hopefully in 5 years there will be a compelling car that I like. But it could be an RV. I know a guy that electrifies RAM vans with Tesla battery, drive train, computer etc. No supercharging but can DCFC at EA, etc.

Tesla has two factories in the US.

Also the pandemic is one of the things that broke Elon.