re: Talk me out of choosing a high deductible plan + HSA

I am very glad you started this thread. I am in a similar situation with a child who will be two. Right now it's myself, my wife, and my son on a traditional plan. She will be on her works insurance next year and I'm thinking of switching myself and my son to the high-deductible HSA Plan. I will contribute the full difference into the HSA and I have been contributing some into an FSA this year that I can use until March of next year. I feel like I am making the right decision, just have to keep fingers crossed nothing major happens early on in the year.