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

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That's good info there. So even with 2 young kids (healthy) the HDHP is typically worth it?

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I have gone to the doctor prob 3-5 times in my adult life I don't see that changing unless something happens.

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Based on these two things, in a vaccum, I would be say yes.

But there are other things you might want to consider (Its easier than it sounds). Just think ahead 1 year and see if you see any big medical expenses coming up - a big one is - plan for another baby?

Just ask yourself these questions and also honestly know whether or not you will maximize the benefit. Until you hit 1x your deductible (And really every year thereafter) - you absolutely should.