All that information was in the wiki article... the Pros and Cons, the people who are for these and against these. I'm young and healthy. HSA is the way to go for me. I might be pro-healthcare reform, but I still have to make smart economic decisions with my current healthcare. Worst case scenario, I save a shit tonne of money on a HSA until I turn 50, then spend all that money I banked on traditional plans to cover all the shit I'll need when I get older. If you're sick all the time, need lots of prescripts, you need a traditional higher premium plan. An HSA isn't a scam, it just doesn't work for you. I don't need higher premiums to pay for prescription drugs I don't need.