HSA is nice because:
A: you are paying yourself to a savings account PRE-TAX.
B: You can change your monthly or paycheck contribution to a much lower rate after you have more than your maximum out of pocket in the account.
C: If you decide to change jobs or just Ins carrier, your HSA goes with you, you didn't just piss away money to the INS company, you have your HSA account with the money in it ready to go.
And D: my Job pays $2000 a year into my HSA tax free which almost makes my Premium $0 by it's offset.