We have a HD plan with low premiums, $3000 deductible and $6000 out-of-pocket limit. We compared it with another PPO plan and it turned out that with HSA our plan costs about the same or less even when we pay the limit. And of course in the years when everybody is healthy we save a lot. As an added benefit, once you hit the limit, everything is free. In the year when my husband needed two surgeries, I had a lot of nice-but-not-quite-necessary physical therapy.