I voted no, and was initially very suspicious of the hsa. But after attending the seminar, looking at our historical health care family usage, and running the numbers they came out out better for us using purple. If you have a lot of healthcare usage, youre probably better using the buy upend paying up front for the costs. I've only used buy up two years here, when we were having kids. Otherwise I've got a rainy day fund that covers the gap in the buy up and the base. With purple, I can build a tax free rainy day fund for those sucky years, and keep my money otherwise.

Some people pay for peace of mind. My thinking has always been to have the least amount of insurance that I can with savings to cover the gap. Everyone's different.