deductible or a very low ($500) deductible. As such, I never had an HSA to go along with it. I changed jobs close to 2 years ago and my current employers plans had a low ($1000ish for family), medium ($3400), and high ($5000k) deductible plans. I went with the medium deductible plan because it qualifies for an HSA (the medium and high deductible plans are both classified as "high deductible" in the eyes of the government).

I was worried about the deductible and the risk of pre-deductible medical costs, but I have found that my contributions to my HSA have outpaced my medical costs and now I have enough saved up in my HSA that I am able to invest some of that money to earn interest on it - all tax free. I have never had to worry about being able to afford a medical payment because there has always been enough in the HSA to cover the costs. Yes, it's additional money coming out of my paycheck - but it's pretax and is offset somewhat by paying a lower premium AND by being able to invest and earn interest on the money. In the end, if I could do things over, I would go back to my first job and sign up for a high deductible plan.