My family has employer provided healthcare. But at this point if the premiums go up faster than we can afford I'm switching to an HSA. I can easily afford to fl

My family has employer provided healthcare. But at this point if the premiums go up faster than we can afford I'm switching to an HSA. I can easily afford to fly my family to Cent/South America to have a checkup or surgery compared to the money I'm throwing into the wind with our HMO. We're young, healthy, with no chronic issues. Just the type of people insurance companies would want to insure.