For the past two years, we could choose: traditional or HSA. The traditional plan costs more, but only slightly. With the HSA, you pay the first 4 grand for healthcare and 2 grand on top of that for meds each year entirely out of your own pocket. Then the insurance picks up the rest. The rub? The "here's your insurance, but you pay the first 6 grand for healthcare on top of the insurance premiums you're paying to cover any expenses above 6 grand" costs a whopping $100/month less than the traditional plan. Thus, the HSA is a way for us to pay a private health insurance company over 3 grand a year for absolutely nothing. In the past 55 years, I've never had a single year where my healthcare costs were over 6 grand. Now, I'm older, but the only way these HSA's make any sense at all is if

(1) You suffer a catastrophic event.
(2) You've already been diagnosed with an expensive chronic disease.