I'm exhibit A. I signed up for an HDHP because I didn't want to pay a monthly premium and thought and HSA sounded like a great way to save for health expenses.

I'm exhibit A. I signed up for an HDHP because I didn't want to pay a monthly premium and thought and HSA sounded like a great way to save for health expenses. I had a bout of rhabdomyolysis after pushing myself while at the gym, after doing some research and learning that it probably wasn't life threatening I decided to wait it out and self treat instead of going to the ER.