Something that really frustrates me about my current HDHP/HRA plan is that it feels like it only makes sense if somebody in the family has a minor issue(e.g. th

Something that really frustrates me about my current HDHP/HRA plan is that it feels like it only makes sense if somebody in the family has a minor issue(e.g. the flu) that is covered by the few hundred dollars the employer puts in the HRA, or if somebody has a major medical issue that would have destroyed our savings. Between those two extremes, the value of having insurance is just all the mysterious insurance "adjustments" on every medical bill. As you pointed out, there are probably lots of situations where saying I have no insurance makes more sense from a financial standpoint.