<prompt> Human: Basically I didnt really know what I was doing when I setup my various employment benefits a little over a year ago, it was the first job I have had that ever offered me insurance, 401k etc. I had been doing a lot more readinglurking here recently and at least got rid of a bunch of high expense stuff and got a reasonable fund balance in my 401k. Changing insurance is a bit more difficult since I get one shot a year to change my options. Based on some reading mostly from this subreddit I feel like switching to a high deductible plan with HSA would be a better choice for me.I would be gaining:-lower monthly premium adding up to 160 less a year-access to an HSA with 500 contributed by my employer per yearbut I would have a 2000 per year deductible and my maximum out of pocket goes from 1500 to 3000.I am 27 years old and have no chronic health conditions. Since I have been working I have spent 100 on one doctors visit and around 1000 on glasses 2 annual exams which were covered by my vision insurance but lenses are subsidized and I have 2 pairs plus sunglasses.The way I see it I would have to spend at least 660 on medical bills a year to make it worse, not including the fact that I could cover my yearly glasses with a income tax free source or that I can use it as a tax advantaged retirement account.Is there a reason I shouldnt do this apart from the chance of getting in a huge accident or getting a really bad disease?  <response>: Is there a reason I shouldnt do this apart from the chance of getting in a huge accident or getting a really bad disease?If you got into a huge accident or were diagnosed with a really bad disease that required expensive treatment, the difference between 1500 and 3k is insignificant anyways. 