Wow. I guess I'm getting a deal
No word about the pros of CLE? Was your account sold/hacked?
If anything Obamacare is becoming the great equalizer, more and more localities are going to face what New Yorkers have faced for years. If you are able to buy any plan with any Out of Network benefits, consider yourself lucky. Individual plans in NY don't have that (I am referring to downstate NY, IDK what goes on further upstate or Western NY).
2021 is the first year since the NY Individual Marketplace has been in operation that I have seen HSA compatible plans that actually make sense (in comparison to non HSA compatible plans).