I added an accident rider to my HSA. $25 a month for my wife and I. If I get hurt skiing I pay $100 deductable and the accident policy picks up the rest of my deductable $5,000
One problem I see with LPLs is the 2mil lifetime max. To me that is not a lot for some of the cost nowdays.Otherwise their stuff seems pretty decent, especially since they reduced the quoted rates a few weeks ago.