re: Health Insurance Premiums and Deductibles.....

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it is probably worth about $10,000 in salary.

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Way higher. The average Blue Cross plan with family on it will cost around $1,000 in premiums alone per month. It will also have a max family out of pocket around $13,200 and usually a deductible of $500 to $1,000 a person. So that's at least $25k per year if you end up having to max it out.

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In 2018, my company had a high deductible health plan where:

Premiums = $233/month
Deductible = $8,000
Once deductible met, everything covered 100%
Company contributes $1,300 annually to HSA
Company cost = $1,898/month


For 2019, the changes are
Premiums = $169/month
Deductible = $10,000
Once deductible met, 30% co-insurance kicks in
Max out of pocket = $13,500
Company contributes $1,300 annually to HSA
Company cost = $1,370/month

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Your employer chose to switch to a cheaper plan. So that is what happens. Your premium went down, so with that the deductible and max out of pocket go up.

You are saving $768 a year on premiums and the company is saving $6336 a year. It would have been nice for your company to give you some of that $6336 savings in the form of an increase in HSA contribution.

(no message)

So your company is saving over $500 a month, and isn't upping the contribution to the HSA? Your employer is garbage.