To be honest, for some time now I have stopped making accurate calculations. And it's not because I'm so wasteful. I just managed to get
Lane Health hsa card, which allows me to easily pay for all sorts of such nuances, and not worry about this issue. For example, recently it was necessary to undergo a female operation. And I never doubted for a day that my savings were enough, because I counted on my insurance, which fully covered all expenses. And I paid it from the very first paycheck.