A chain of clinics recently opened in our area that post all of their prices online.
We almost exclusively go there now for everything. Even if they are occasionally more expensive (briefly, until the normal UC would send their surprise bills), it's just so much easier to pay up front.
If you can afford to pay for it with post tax non HSA money, then investing the HSA funds in a Fidelity HSA and letting them grow is the ideal maneuver.
Pdf your healthcare expense receipts and reimburse yourself from the HSA 50 years in the future completely tax free.
They're usually offered as an option for work-sponsored plans. You can get a low deductible plan that your work pays $1k a month for, or you can get a high deductible plan for $500 a month and the company gives you the other $500 into your HSA tax-free (oversimplified, of course).
They actually make a ton of financial sense, but too many in the US would rather overpay for insurance rather than have to shop around.
We almost exclusively go there now for everything. Even if they are occasionally more expensive (briefly, until the normal UC would send their surprise bills), it's just so much easier to pay up front.
Thankfully we have an HSA and it's our money.