Thank you for your response, and I hope you and your family stay healthy. I have similar concerns for things that might pop up, but luckily everyone is generally pretty healthy. Last year we had to take a quick trip to urgent care and my copay was $450. It was a surprising amount, because previously I had never paid more than $75 for a visit. I was able to use my HSA for it, but man…if something more serious happened I could see that getting really expensive fairly quickly.