On the exchange, a gold PPO with blue shield is $753 at age 55. At 60 that jumps to $920. If you’re sub-55, your premium is platinum level PPO plan premiuml level. Granted exchange networks kind of suck. That sa me gold PPO for a 50 year old is only $605.
The late 50/early 60s are brutal with the cost curve going very steep for age premiums.
For an HSA your deductible is low, that’ll. greatly push up the cost. What’s your out of pocket max?