If you do not have regular healthcare costs, and have a high tax rate, the HDHP is almost always the better move. I personally had some pretty significant healthcare costs this year (spinal surgery) to max out my deductible (hadn't had any claims in like the 12 years prior) and have a decent taxable income. The tax benefits of the HSA would have effectively covered my entire deductible, even just looking at this year.

If you don't have significant regular healthcare costs, in 2-3 years you will likely build up an HSA account that will cover your annual max out of pocket. If things change, you can adjust your healthcare coverage as pre-existing conditions don't affect your rates.

The higher your income, and the less-significant your regular healthcare costs are, the better HDHP with HSA becomes.

100% declare Bankruptcy.

You have no assets, and your unsecured debt exceeds your income.

Your monthly interest accruals are probably close to $2000. That's like 25% of your take-home pay, without even touching the interest.

Car insurance is for when you fuck up and are at-fault in an accident. Bankruptcy if when you fuck up financially and can not afford your debts and are insolvent.

Stop throwing good money after bad... file for bankruptcy and in a few years you can come out of this relatively unscathed.

Sure, on this one, specific debt.

But the bank/CC lender will also have the leverage to completely ruin your financial future for the next 7-10 years. The bank will likely be fine over that timeframe - trust me.

If you're like 19, bankruptcy/default may not be a terrible option. But if you're in your late 20's/early 30's, it will likely be one of the most significant events of your life - financial or otherwise.