I was wondering how many of you have HDHP and use HSA?

Disclaimer! Below statements are reflective of my family's situation and are not meant as a tax, legal, medical nor any other type of professional advice.
Seek professional for your unique situation guidance.

My family has been fortunite in that we've been relatively healthy.
We've had few major events (broken bones, back surgeries, etc.) but not major hospitalizations.
I switched several years ago from standard plan into the HDHP (High Deductible Healthcare Plan) after learning that taking into account co-pay for doctor visits, my worst case scenario was breaking even.
If we had a good year, as in not using doctors much, I could be literally saving about $6,000/year.

Now for HSA.
What a great program.
It's better than unmatched 401k, in that contributions, investment growth and withdrawals are all tax protected!

Here is one video that explains things well. Stop at 6:26 to avoid self sales speal.
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