I use the HSA. Premiums are just $13/month for me as a single guy. I got a thorough physical and some age-appropriate testing done (I'm 51) and paid nearly nothing.
The money I save into the plan is my money to be used for qualified expenses, of which I have had none yet. It is tax-advantaged savings and capped at $3400 for me annually plus the company's contribution. It is obviously higher for a couple.
This is not the same as the Flexible Spending Account or whatever it is called, where the money must be used or it is lost. The HSA money is yours and can be invested or kept in the account.
I'm saving it for medical expenses in retirement.
I'm not dissing the Regular Plan but at least research HSA plans to be educated on their benefits and negatives, which I think are very few.