We have an HSA option at work. The Family Deductible is $2,520 and annual coinsurance is $5,800, then 80/20 as normal (FOR SURGERY). Only problem here is surgery last time was real close to the time I could change my insurance if needed. So maybe 2 months I could of used to dump money into my HSA. Even so I would of paid more with HSA????
If I was single I surely would have HSA, but being married and existing medical conditions doesn't make HSA cost effective.