“Don’t you get to choose your plan annually?”
Yes, I can choose one of two plans annually, but I do not have high or low options within those plans is what I was told. I shall look again to see if I was misinformed.
Usually, only the high-deductible plan allows for the Health Savings Account (HSA). The lower-deductible plans use the Flex Spending (use it or lost it) accounts.
A decent estimation of your annual expenses will help determine which plan works best for you.