re: HSA vs Traditional Health Insurance

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Yes I understand this, but if I'm paying out $5,200/year for insurance and out of pocket cost would not equate to this then wouldnt it be financially beneficial to pay the out of pocket expense up to high deductible and also have the extra money in the HSA?

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Yes. I just made the switch this year. Same age as you and don't go to the doc a lot. For me, the HSA plan premiums are 40% of what the traditional plan premiums were. Now I am taking the 60% leftover and throwing it in the HSA which rolls over each year.

If I have a major accident or something unforeseen happen where thousands of dollars in medical costs pile up, then it won't be worth it. It's a risk I'm willing to take at this point in my life.