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When my hubby was self employed, I got us a HSA. We were allowed to put 2000 into an account from which we would pay routine expenses. Once they got over 4000, the insurance part would kick in and cover all. If you don't spend the 2000, you get to keep it in a sort of HSA/future retirement/college fund account. There is the incentive to save money, use medical services wisely.

Also, the insurance company would negotiate the prices for me. I had a high risk pregnancy and delivery with a preemie in intensive care and a hospital bill over 60 thou. HSA 'negotiated' that down to 12000, and then paid almost all of it. I don't need insurance, just those insurance negotiators to get my bill down to something I can afford.

Now I have signed up with a HSA through my employer. The difference is that the employer pays into the savings account and they keep the difference. This works differently in that every single thing is paid for until I get over the savings amount, then I am in a donut hole until they cover everything again. But, it is the cheapest plan the company offers, and I haven't made it to the hole, yet.