So does the bronze HSA (cheapest plan we have). You just may have to pay more to go there.

What would cause you to need to see the best surgeon in the country?

Lets say you have DPMP and I have the Silver HSA. We both get the same crazy disease and need to see this best surgeon in the country. So you go there and spend a billion bucks and I go there and spend a billion bucks. At the end of the year here is what your out of pocket costs would be with the DPMP and mine would be with the Silver HSA.

DPMP: $2,350 plus premiums of $528x12 so a total of $8,686

Silver HSA: $10,200 plus premiums of $176x12 so a total of $12,312 (that is out of network) In network would be a total of $7,212 but I couldn't go the the best guy in the country. If that best guy happened to be in the network, I would pay LESS than you would when premiums are factored in.

So to go to the same guy for the same illness I pay $3,626 more.

Now if you and I go all year and have no issues here is what happens.

DPMP costs you $6,312
Silver HSA costs me $2,112

I save $4,200 and put that in my HSA. Both of us spend the same amount, but I have the $4,200 and you have the piece of mind that in the extremely unlikely case you need to see the best guy around, you can. (so could I if I want to spend $3,600)

The difference between me and a lot of guys here apparently is I take the emotion out of insurance buying and buy what makes the most sense $$ wise and risk wise when purchasing insurance. Others buy it based on an emotional need of not having to worry which I get, I would just rather have the $4,200.