FWIW, HDHP+HSA has worked great for me. Low premiums and I’ve built up a significant nest egg in the HSA over the 8 or so years I’ve had plans that used them.

FWIW, HDHP+HSA has worked great for me. Low premiums and I’ve built up a significant nest egg in the HSA over the 8 or so years I’ve had plans that used them. I know it doesn’t work great for everyone though and I’ve seen some discussion that it doesn’t bring down costs because of the lack of transparency in pricing preventing comparison shopping (which is also my experience).