OK, our HSA has a limit of 3500. That would pay for like maybe 2 months of DH's prescriptions (Zetia, Crestor, Plavix). We only use it for contacts and glasses and the deductible for pharmaceuticals. It used to be 5K, but it was lowered a couple of years ago. We have a fabulous insurance plan; no deductibles, reasonable prescription prices (10.00- 50.00), no referrals. I have seen several specialists at the Brigham, with no questions asked. They pay for my Prolia, which is not the first line of treatment for osteoporosis. I have a 20.00 copay for office visits, and as Oak mentioned, wellness care is now covered for physicals under the new health care law. We also have unlimited mental health coverage, as Massachusetts has had mental health parity laws for quite awhile. We do pay a decent sized premium each month (through DH's company), but my employer offers the same plan for like 3X the cost. They want people to use the tiered plan where you get more if you use crappy doctors. Sorry, I was very happy to be able to not have to think about going into Boston for specialists in rheumatology and neurology a couple of years ago. They even paid for DS to have experimental surgery to cure his Raynoud's, in 2003 (which involved flying to Texas).
I've had enough weird medical things to shudder at the thought of a 10K deductible. Even as a younger person, I had asthma, bouts of bronchitis, etc. and my kids were always at the pediatrician. We live a healthy lifestyle, but I can't imagine if we had had to pay for DH's stents, etc. That bill was hundreds of thousands of dollars, and we paid about 200.00. No amount of healthy living could fight DH's genetics.