High deductible heath plans maim and kill people

[customerserviceguy]

1. Anything misused can maim and kill people

And while I agree that switching from a more traditional pay-for-service plan to solely and only a high-deductible plan practically guarantees that some folks will indeed suffer misuse, I still maintain that it's a good thing to have a choice between the two, for those who will actually utilize the Health Savings Account that is designed to accompany a high-deductible plan. One thing an employer can do is what my employer does, and that's offer to put in a sum of money to the HSA.

They're rational choices for younger folks who lead relatively safe lifestyles, they allow an accumulation of savings during one's healthy years towards future medical expenses as one ages. The sums banked away can actually be used to pay deductibles and co-pays incurred during future years where a person is on low-deductible insurance that makes them ineligible to contribute to the HSA.