[fabsroman]

I know a lot about health insurance because I am self employed too. However, I knew that it made way more sense to use the coverage provided by Target once I married my wife than to continue to pay what I did.

The problem with health insurance right now is the same problem that we have with social security. Generally, the people that do not need health insurance are paying for those that do need it. Most health insurance claims are for people that are old (e.g., Rocky, LOL) and people with current conditions. The rest of us are just picking up their bill. The young are paying for the health care of the old. Problem is that the young cannot afford it.

Since you aren't self employed, you might want to bring up the HSA to your employer, even if they aren't willing to fund it at all you could fund it yourself. If they have been paying for health insurance up until now, suggest that they take their premium payments from last year and use them tp pay for the premiums on the high deductible insurance plan and use anything leftover to fund the employees HSA account.