Team Member only w/low use, salary: less than $45k

Choice HSAValue HSAChoice HRAValue HRA
Annual deductible$2,500$4,300$5,000$6,550
Annual paycheck contributions$1,616.42$1,346.80$1,136.46$1,121.38
1 preventive office visit$0$0$0$0
1 primary care doctor visit$208$208$208$208
1 teladoc visit$55$55$55$55
Subtotal$1,879.42$1,609.80$1,399.46$1,384.38
Tax-advantaged account money-$400-$400-$400-$400
Total expenses$1,479.42$1,209.80$999.46$984.38