re: HSA vs. Traditional Health Insurance Plans

We have a HDHP/HSA ... it's worked very well for us. Only twice have we met our ded, 1 year being this year. We have a family of 5 and it's an individual policy through BCBS.

We actually put it on paper and with no illnesses or diagnoses to speak of, it was WAY better for us to go with the HDHP ...

We put into the HSA yearly the max amount so we're comfortable having that to pay anything "big" that goes toward the ded or coinsurance once met (20%).

We DO NOT pull from the HSA unless it's big things ... braces, surgery (husband had this earlier this year), MRI (I've had 3 this year), and if 3 of us end up needing glasses/contacts all at the same time. We don't pull out for MD visits or prescriptions. Even 2 of the MRIs I didn't pull out from HSA as we were only responsible for 20% ... I've got the $100 x2.