I keep a savings account around with a minimum balance of $5000. The only reason I have that money sitting there and I am not using it as a down payment for a c

I keep a savings account around with a minimum balance of $5000. The only reason I have that money sitting there and I am not using it as a down payment for a car I so desperately need is because I need it for my high deductible plan. I also have an HSA (health savings account) that I am slowly adding money to every month, which at the moment is mainly used to pay for prescriptions and the like. Now, one could suggest that I change my plan to a non-high deductible one so that I don't have to keep that money sitting around in savings, but then my costs per month would go up $300, whereas my high deductible plan is entirely paid for by the company I work for. I don't go to the doctors nearly enough to that the extra money I spend per month would counter-act the amount I am paying out of pocket now because I never reach my deductible.