Originally Posted by flyallnite

It's true, the cheapest HSA plan is the best deal if nothing ever happens to you or anyone on the plan. But that's not why I buy insurance.

And hopefully you are the exception to the rule, but if you do ever need serious medical care, you'll find from experience that quality varies widely. With DPMP, I can go to Sloan-Kettering, The Mayo Clinic, or anyplace and see anyone I like without going 'out of network', and paying through the nose to have my life saved. And DL can't change the plan, because it's contractual. The others are not, and can be changed anytime for whatever reason.

One other thing. If you have a wife on the plan, you'll be amazed at the cost of women's health care. Guys are like Chevy's, for the most part. Just put gas and oil in it, wash it now and then. Women, well, think 1978 Ferrari. Sure, it looked great when it was new, and boy was it fast. But keeping it running and looking like a well-cared-for classic is a freaking financial black hole. It just keeps getting more expensive, and parts, well... don't get me started!!