This feels like a more cogent opinion piece on AI’s potential impact on programming:

ChatGPT Isn’t Coming for Your Coding Job

The only gap is paying the deductible which is no problem if you have a funded HSA.

Wouldn’t a fair amount of people *not *have a funded HSA? The savings power of Americans is not so great; it seems logical to me that a good percentage of people choosing low premium/high deductible plans are doing so because they already can’t afford a large monthly expense, not because they’re flush with cash to fund a savings account.

It sounds like you are able to fully fund your HSA, so it works out great for you, but I’m not convinced that would be the case for most people on these plans.