I just switched the company to an HSA Plan. I love that it puts my employees and myself into a Health Consumer mentatlity and not a Beneficiary. It is the Beneficiary mentality that has cost so many of us double digit premium increases over the years. Many HSA plans can cover 100% w/o a deductible an annual physical. You can max out a contribution to your account each year you have the plan and have funds saved for any future expense. If you do, you can look to increase a deductible knowing you are covered in your account to save current dollars on monthly premiums. I wish everyone was responsible enough to be HSA plan members or that any potential change of nationalized healthcare would force people to be Health Consumers.