The way my plan works, and it isnt perfect, is that you have an HSA and you use it as you see fit.
If you dont use all the HSA dollars they roll over to the next year and are combined with next years HSA dollars.
If you expend all your HSA account you revert to a 20/80 HMO
Till the next year when the HSA is replenished
That is a pretty good plan; I can see why you're happy with it.
And, it adds all the more incentive to take care of one's own health...