Reply to Is HSA preferrable over regular health insurance plans?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I was looking at the "HSA Millionaire" thread and am very confused.  Do people genuinely like HSAs better than just your run of the mill regular health insurance?

My employer offers regular health insurance for my family of 5 in which I pay $450 a month for health insurance, dental insurance and vision insurance, my employer pays the difference.  My health insurance has a $600 deductible for my family.  The HSA offered with expanded dental for $88 a month with a $3500 deductible for a family.

Would it make more sense for me to change to an HSA?  [/quote]

I had posted a question about HDHP and PPO a couple months ago and I loved a response I received there - "HSA is for those who are super healthy or super sick". Kinda made sense to me. I have kids who bring germs from school. Not that we see a doctor regularly but we do have multiple doctor trips throughout the year. We almost always sign up for HDHP and back out last minute to go for PPO. All these years, I have just never felt ready to do HDHP and hence HSA. [/quote]

That's a false narrative. See my post (12:03 AM) above. We've been doing HSA since forever, raised 2 kids, and the math always works in our favor.[/quote]

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