re: HSA with 3 kids

My wife pays like $50 a month for her health plan so she's on hers by herself

Work covers the premiums on HSA so all I'm doing is contributing to it. My plan is to have me and my daughter and soon to be new born on the plan

My first daughter is almost 2 and we lucked out and only really had 5 dr visits that weren't her regular checkups. Those were about $130 a piece. Hoping daughter #2 is as healthy as she is and we can avoid those types of visits

I messed up last year and forgot to update my benefits to put money in the account. Basically went a full year paying no healthcare for me and my daughter so now I'm playing catch up after draining my account on infertility treatments for kiddo #2