We've had an HDHP/HSA for the past two years and have no complaints. I like the control and the savings. In fact, without this arrangement, we would have struggled to have obtained health insurance at all.
I particularly recommend it for self-employed persons or those who otherwise are responsible for the purchase of their own insurance apart from an employer.
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"Look at this way: Think of how stupid the average person is; and then
realize that half the people are stupider than that." ~ George Carlin
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