Just curious if anyone has been using this plan and how your experience has been with it? I'd like to get an HSA going so it's between this and the "Healthy Savings" plan. At first glance and for an HDHP it's a pretty expensive premium for a family, but 95% coinsurance is great. Anyone with a family been using this and how have the real costs for medical care been? Our plan is to not use the HSA funds until we retire, but between the hefty premium + maxing the HSA contribution + out of pocket medical expenses I'm wondering if this makes sense.