I work for a major insurance company and frankly I consider the plans given to employees to be pretty poor. Is 10K your ded or is it also your OOP? If it's your OOP and you have that on hand it's not too bad. I always sock money away in my HSA each year. My son sees a counselor that is not covered by insurance so I use it for that. I also use it for glasses, contacts and the occasional prescription.