Last two years at big bank, I had HSA coverage. It was great. I saved a lot of money on the premiums (about 10%) and wound up with a nice balance at the end of the job. With Cobra, it is an even better deal, 400 vs 600 for the alternative plans. Obamacare wants to end it. Reason being, it works great. HSA Plans work It looks like it really would drive costs down throughout the system. Which is why no version of Democare likes it. All three Democare plans restrict or abolish HSAs in and push more to an HMO style. And we all know who wonderful HMOs are.