When my H’s employer went with a high deductible plan with a HSA, they had a spreadsheet to compare plans. Our health care costs are basically the same every year (in that we will hit our maximum OOP every year as H has some chronic health problems). In every case, the high deductible plan was cheaper for us than a traditional plan. It just moves around how we pay for our care. My H’s employer self insured and we are very lucky in that they pay for the HDP plus contributes $1500 to the HSA.