This. I'm only saving $100 gross per month right now by getting a HDHP+HSA through my employer, but they also contribute a sizable portion to my HSA each month

This. I'm only saving $100 gross per month right now by getting a HDHP+HSA through my employer, but they also contribute a sizable portion to my HSA each month for the cost they save. Assuming nothing catastrophic happens in the next few years, I will have a sizable pool of money set aside in my HSA earning interest, and I can choose to lower my monthly cost at that point if I want. I should point out that I am also married and have a single child, since routine care is covered even under HDHP thanks to the ACA I don't expect to need to spend much out of my HSA unless something major happens.