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

If an emergency does occur, they'll bill you. Then just get on a payment plan. That is what we had to do with ours. When we first got on high deductible plan with hsa, daughter had to go to the emergency room. We got the bill in the mail later for about 2k but set it up to just pay $100/month until it is paid off, that way we could use the money being put into the hsa to pay it instead of coming out of pocket any.