<prompt> Human: So I hear the HDHPHSA combination thrown around a lot on here. It looks like I will be eligible to get one of these next year, and I believe my employer will be putting some contributions into the HSA, if I choose that plan. There are also other plan options with lower deductibles, but they cost more per paycheck. So my question is, what are the downsides to the HDHPHSA plan? If there is an out-of-pocket maximum, how badly get I get screwed by choosing this plan over the other plan with lower deductibles?  <response>: Well the obvious answer is that you have a higher deductible. So you have to pay more up front for non-preventative care before your insurance kicks in.There are other potential negatives that really depend on the plans that you are comparing. High deductible plans often have a higher out-of-pocket maximum and higher co-insurance in addition to the higher deductible. Not all procedures are covered equally between the plans as well. Generally, if you are young, single and relatively healthy, the advantages of having an HSA outweigh the disadvantages of the high deductible plan. You just want to make sure you have enough cash on hand to cover the deductible. But the decision really needs to be made on a case-by-case basis. Compare the plans and see which one makes the most sense based on your current situation. 