<prompt> Human: I got a letter in the mail saying the corporate folks have decided to offer us tire factory workers a High-Deductible health insurance plan. The current plan has a 1200 deductible but they make a Flexible Spending Account with 1200 in it. If I switch over to this new plan I get a HSA and the company will put 750 into it. It seems like a no-brainier to me because I am fortunate to have good health and I avoid doctors like the plague. Anybody have any experience with this? I wont get any further info on the new plan until the end of the month when open enrollment begins.  <response>: Just to give you a frame of reference, I have an 18 month old and I switched to the HDHP. We have frequent visits and I still come out way ahead. I pay 3600 less per year in premium and my company puts in 500. So basically I would have to have 4100 in meds and Dr visits to break even which I may have half of that. Also, your company amount rolls over so if you dont go to the Dr you will have such a balance in your HSA that you will never pay for visits or meds. It was worth it for us. 