The tax rate is only that high for amount earned after $500k too. And only for those in a few states like California.

$550 for gold level insurance is expected for someone young, which I guess you are.

You can ballpark almost anyone’s premiums based on the figures in link below. I would use Omnia Gold or Omnia Silver HSA numbers, and plus or minus 20% for your state.

https://www.state.nj.us/dobi/division_insurance/ihcseh/ihcra...