#comparison

2 articles

10-Year Cost: $63K Buy vs $84K Lease vs $24K Transit

Same person, same city, same 10-year horizon. Buy: $63K total. Lease: $84K (highest because you never stop paying). Transit: $24K where it works. The path matters more than the brand.

HDHP Saves $1,800/Year if You're Healthy. Costs $3,400/Year Extra if You're Not.

Low utilizer (under $1K healthcare/yr): HDHP wins by $1,500-2,500 with HSA tax shield. High utilizer ($8K+): low-deductible plan wins by $2-4K. Mid utilizer: coin flip. The break-even threshold is your honest forecast of next year's spending.