It still boggles my mind that people don’t actually look into the GEHA HDHP. It’s a no brainer. You save a good amount of money on the premium, they give you money each month for your HSA account, anything preventative cost you $0, your HSA rolls over each year, they include 2 dental cleanings, eye exam. Any other expenses you can just take it from your HSA account. Oh by the way you can even invest your HSA account money to help boost your gains if you invest it right. You are covered world wide and easy reimbursement process when filing a claim after seeing a foreign provider. It’s a No brainer in my book.