IF you have the Gold HRA...your medical plan does in fact cover emergency room visits at 80% after the deductible is met. Using your logic (and words), Delta isn't putting your child's life at risk--you would be. Why use the Gold HRA when you use the HSA or the Option N. When you buy insurance, you are playing the risk game. I prefer the HSA because the $$ figures are pretty cut and dry. I don't have to play the FSA guessing game and I put in the max HSA each year. If something unusual happens (e.g. an unexpected emergency room visit) and I really do need to go to the emergency room; then I go and tap into the HSA if need be.

Your rhetoric saying our insurance doesn't cover is plain wrong. It does cover. Its expensive though.