They sort of go hand-in-hand. Right now I've got a Blue Cross plan with an HSA. I pay for the majority of stuff from the HSA, but I'm generally paying a 'Blue

They sort of go hand-in-hand. Right now I've got a Blue Cross plan with an HSA. I pay for the majority of stuff from the HSA, but I'm generally paying a 'Blue Cross negotiated' rate for things.