I think yes that is an effective strategy, especially given the economic incentives to having a HSA and how it is possible the manage the money in the account.

I think yes that is an effective strategy, especially given the economic incentives to having a HSA and how it is possible the manage the money in the account. However, the economically “supposed to” decision for the monetary difference is now up to the insured who may not understand nor desire to put some of that difference towards the same health causes rather than change spending habits. Awareness is important here.