Reply to Employer only offering high-deductible HSA in the future

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[quote=Anonymous]As PP said, if your family is generally healthy, you will do better under the HSA arrangement. If someone is sick (not talking the flu here, but in the hospital, chronic illness, etc.) you will likely pay more.
One thing to mention: under your plan, you probably don't have to pay for preventive care out of the deductible. That is likely to be covered right from the start. So don't be afraid to go get your yearly GYN visit, or to take your kids in for their annual check-ups and vaccines. You need to check the information on your plan to be sure, but it is almost certain that these services are covered 100% without having to pay the deductible. 
Also, remember that your plan is still negotiating rates for your services and drugs even when you are paying the deductible. It isn't as though you are totally on your own until then. So if you need a prescription, for example, in January, you are still getting the discounted price that your insurance plan has negotiated for it. A lot of people misunderstand that and think they'll pay obscene prices. 
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