LO 4-1,4-2 Sargent is a new employee at Tet Torr Entertainment. The company has both a POP with the opportunity for an FSA or an HDHP with an opportunity for an HSA. The POP premium is $350 per month and the annual deductible is $500. For the HDHP, the monthly premium is $200 and the annual deductible is $1,200. Explain the options of each to Sargent.