You have a choice between a consumer-driven high deductible "basic" plan which will run you $117.68 a paycheck for a family. SkyWest throws $1,000.00 into your HSA account you contribute pretax dollars of your choosing and your annual deductible is $2,600 for a family. THERE is a cheaper option "value" which is $76.45 a paycheck with a $5,000 deductible - which, with woman and children in the home, I wouldn't touch.

We also have a traditional PPO $184 a paycheck - $1,000 deductible, max out of pocket of $6,000. office visits $20/30.

Numbers game. Good luck. I'm a healthy male, I stick the with "basic" HDHP, I've managed to put away $4,000 in that HSA over the years - my wife fortunately has killer benies through her state job to cover her and the rug rats