Aside from working as a pilot, I have been a financial planner for 15 years. Generally speaking, a HSA style health plan is a better option for you if you are healthy. The whole point of the savings portion is to allow you to hang on to your own money instead of giving it to the insurance company. If you are smart and careful (and lucky) you will have a sizable savings ready for an emergency, and if the emergency doesn't materialize you have the peace of mind knowing that you are prepared. Run the numbers--it works.