We have an HSA and I rather like it. For one, I'm paying myself instead of an insurance agency. My employer covers the cost of Insurance if we choose an HSA ($10,000 per family) but if we choose traditional insurance coverage than we'd have a significant amount deducted from my paycheck each week.

Everyone is generally healthy in our family and we do not have regular prescriptions. We can use the HSA for vision and dental expenses as well.

I've had one prescription for DD that was over $100 out of pocket! That was hard to swallow, but nothing even close to that since. DS spent a week in the hospital. I thought that would be $10,000--but it was a small fraction of that. We didn't have enough money saved in the HSA to pay for it at the time so we arranged a zero interest payment plan with the hospital. The hospital let me pick how much we wanted to pay each month--as little or as much as I wanted, which was nice.

I'm also much more proactive in my healthcare since I'm now paying for a lot of it. I ask a lot more questions. What I've learned is that a lot of doctors have protocols that they follow--whether they are really necessary or not. . . . I could tell you stories that are surprising about how wasteful our healthcare system is. But, reality is, doctor's have to earn a living to and the more they prescribe and schedule the more they earn (I'm not saying ALL doctors are like that but it happens).