I'm not smart (that's why I'm a pilot) I'm reasonably careful, I'm healthy(Lost 30 lbs in the last 8 months) but I CANNOT control the Luck factor. Wavit is right, alot of us myself included don't understand these plans, what I do understand is that with the HSA you need a little or maybe a lot of luck and that is precisely the reason people have insurance, cause you can't control luck. I'd rather pay the extra premium for my PPO and not be worried on Jan 1 2012 about my kid having a traumatic accident and me with an EMPTY HSA. Skywaste has once again proven that they do not care about their employees. I understand that many people may benefit from the HSA, great, let us have a CHOICE!! I for one am disgusted.