My employee sponsored health care plan is about to kick in but that means I have some decisions to make... I work for a small company that will cover the first $200/month of the plan of my choosing. My husband does not currently have health care through his work (our short-term insurance will expire right around the time my employer starts paying for part of our new plan). I know it's unlikely that $200 will cover all of even a high-deductible plan, but we'd like to get dang close. We're considering a high deductible plan coupled with an HSA, but are nervous that this will create incentives for us not to schedule preventative doctor appointments.
Another kicker is that our money is spread so thin right now (10% to IRAs, 4% to a 401k, 10% to down payment fund -- it starts to add up!) that I'm worried we won't have much left over to put into an HSA. Even though we don't make a ton to begin with, we are very healthy, young people with fairly active lifestyles which I know helps our situation.
Do we sound like an HSA is a good fit for us or is there something else we should be considering?