I switched to a high deductible plan with an HSA last year. As others mentioned, you are a little more exposed early on until the HSA balance builds up. Once the HSA balance exceeds the annual out of pocket maximum, you're really in the clear. The biggest difference I've noticed is that I'm paying more for random doctor visits until I hit the family deductible. I think I have to spend $1500 before coinsurance kicks in, then I pay 10% of negotiated fees, with an out of pocket maximum around $4-5k annually. We have pretty low health expenses overall, so this isn't a huge deal, and HSA contributions have more than kept up with our health spending. I am also fortunate that my employer contributes $1200 or $2k/year to the plan, so I'm starting to build a decent balance there.
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