With a high deductible plan, I pay $120/month for insurance that has no co-pay for in-network and 20% co-pay for out-of-network services with a $2600 deductible. My out of pocket expenses are capped at $5200. Preventive services are covered at 100% with no deductible. My HSA has had a 20% return this year on the mutual funds I'm invested in, but then again, that's unusual and just a reflection of the market.
The cost for equivalent coverage with a $500 deductible was $280/month.
So for my case, the HSA works out well. Neither program has prescription coverage because I'm an independent contractor, and it's rare to find prescription coverage under non-employer based policies.
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