> Contra your claims, I have never seen insurance on the private market cost less than employer provided group health insurance. I pay under $275/month for a H

> Contra your claims, I have never seen insurance on the private market cost less than employer provided group health insurance. I pay under $275/month for a HDHP and the maximum I contribute to the HSA each year exceeds the deductible. I don't know what a similar plan would cost through an employer, but all things being considered, including the fact the premiums are a deductible business expense and the HSA contribution is pre-tax (post SE tax), I have never once considered that an employer could offer me a significantly better package.