Reply #6: Being in good health might be a contraindication for this type of plan

[frazzled]

You will be paying approximatlely $1,400 a year for this plan in premiums. Even people in good health can end up with expenses, however. Thus, for instance, I had to pay a $750 bill for foot x-rays out of the $1,000 yearly deductible our plan had. It was the only health expense I incurred for the entire year. My husband had a minor test for which he paid the full $1,000 deductible. So in addition to the thousands of dollars in premiums we were paying for our employer-sponsored insurance each year, we were paying $2,000 for the very minor things we needed. It felt like having no health insurance. Granted, some day we'll end up in the ICU and perhaps make up that difference... but for the time being it felt like a bad deal. We switched this year from the plan's PPO to the HMO, where we pay no deductibles. We'll see how that goes.

I hope I'm making sense. But I am not keen on high deductible plans. In terms of the "savings" aspect of the HSA, I am not so familiar and so can't comment.