Amen and amen.
This year, my family moved from a traditional, company plan that was comprehensive and $600 a month to a HSA plan also offered by my company which costs $150 a month. We went from no deductible to $2200 per person and 7500 per family, after which the plan behaves about the same as the traditional one. I also am having 350 a month saved in the HSA, which hopefully will be decreased next year if (knock on wood) we don’t need much in the way of care this year.
It’s mid January, and I’m already feeling the positive effects. First, my paycheck got bigger, and next year, might get a LOT bigger. My company also gives us access to a website where we can shop services; so, if I need anything from a checkup with a doctor to a heart transplant, I can look up the costs on the website and act accordingly.
HSA’s are simply the way to go. Worst case, they behave the same as a traditional plan; best case, they allow you to build a fourth stool to your retirement plan. No negatives that I can see.