It's not that crazy. Most young people, most years will never spend $5,000 on health care, particularly when preventative services are free. So if you're respon

It's not that crazy. Most young people, most years will never spend $5,000 on health care, particularly when preventative services are free. So if you're responsible enough and financially capable to save for a rainy day, it makes sense to pay less out of pocket every month. Those savings may still be tax-deductible; I'm not sure how ACA changed HSA availability in that regard.