Look for a HSA that is backed by a money market account. If you are young and healthy then a HSA based plan makes sense as you can put money away until you needed it. Better than paying premiums you never use. If you start paying it at 20 then you are looking at decent amount later in life assuming the stock market delivers.
If you have ongoing healthcare costs then the math becomes a wash and usually sticking with a PPO type plan is the way to go.
Looking longer term I can see the HSA becoming the norm and employers will pay into that rather than offering insurance plans. At this point the exchanges should become competitive enough to drive costs down if everything happens through the exchange.
If you have ongoing healthcare costs then the math becomes a wash and usually sticking with a PPO type plan is the way to go.
Looking longer term I can see the HSA becoming the norm and employers will pay into that rather than offering insurance plans. At this point the exchanges should become competitive enough to drive costs down if everything happens through the exchange.