The short answer is yes. HDHP plans are good for the employer, but they generally suck if you actually have to use it. Usually the company will put some money into the FSA account to help pay a portion of the ludicrous deductible, but it goes FAST. The idea is for you to put the savings from the lower premiums into the FSA account and use the that to pay for everything. If you’re young and never use insurance, it’s fine. There’s over the counter medicines that can treat acid reflux.