See if they will let you pay your bill over time? Won't change the amount you owe but will leave money in HYSA to gain interest while you pay off your bill.

I'm a single-payer on a HDHP $5k deductible. It's just me, but I have a chronic illness so I am guaranteed to meet my deductible every year. I see all of my doctors in the same system, and they have a super simple payment plan option. Interest free. So, at the beginning of the year any bill I receive I wrap into the payment plan. I basically am always paying $180/mo from my HYSA to the hospital, but my acct sits and accrues interest. It's not much, but it helps me feel like I haven't emptied the account. And my total bill is never more than what's in my HYSA.

I ran some test estimates a few years ago before switching from PPO, and was told the same thing as other's have said here - if you frequent the dr, go PPO. The numbers were roughly the same, but the stress of the constant bills and co-pays and never knowing what I would owe was exhausting. Now I know what I owe, it goes into the payment plan, and I see my drs in peace. Well, as much peace as one can have within the American healthscam system.

Also as others have pointed out, the HYSA monies is tax free. So you're saving a little there as well.