<prompt> Human: So, I have an employer-sponsored plan that has a low deductible and costs 65month pre-tax, pretty fair plan. How do I decide if its worth it to switch to a higher-deductible plan in order to take advantage of an HSA? Is an HSA really that good to warrant doing that?  <response>: Some questions to think about: How much do you spend on medical currently? Whats the HSA premium? Do you plan on any major medcial activities, babies, etc.?The main benefit of HSA is you can invest the money tax free, so you should also determine if you can afford to max it out for the full advantage 