True, but if you can offset that with an HSA to cover your entire deductible and sweep the rest into a qualifying retirement plan it makes a lot of sense _and_

True, but if you can offset that with an HSA to cover your entire deductible and sweep the rest into a qualifying retirement plan it makes a lot of sense _and_ you don't have to worry as much about the deductible. Note: I am on a typical PPO and optimizing for minimum catastrophic amounts, generally so this is not the way I usually go but many colleagues seem to like these plans