Originally Posted by ThunderChicken

The HSA does not leave you without insurance. You have the same 80% coverage that the PPO has. The only difference is that the deductible is much higher in the HSA. If there was a traumatic accident to anyone (God forbid), it's not like you are stuck with the full bill. You will pay out of pocket up to the deductible (or max out-of-pocket amount) and the co-insurance (80% covered) kicks in the same as if you just had the PPO. I am still deciding what I am going to do, I just don't want people to think the HSA is not insurance. It is basically insurance that has a bank account attached that you pay the out of pocket expenses from.