

Consider a high deductible plan with an HSA, especially if your employer contributes to the HSA and you don’t have any underlying conditions (or dependents with them) which make it more likely for you to hit the deductible.
You can use the HSA funds later when you or your dependents need health care even if you’ve switched to a low deductible plan.

Biden could have done more, but Trump was charged and was in the process of being tried when Aileen Cannon blocked it. The appeal was abandoned when Trump was reelected. If the case was in front of an actual unbiased jurist, it would have gone much farther, but Cannon is pretty infamous for being a biased and inadequate jurist