HSAs and health plans

[http://dummy.us.eu.org/robert (Robert)]

I do not invest my HSA in anything and I was fully expecting that I would
exhaust my contributions to pay for the deductible, but I seem to save a
little bit each year, surprisingly.

Oh, and my company matches my HSA contributions up to a certain amount.
The matching contributions are the only thing that makes having
high-deductible medical insurance worth it.

There are online calculators that can help you decide if you would come
out ahead with a high-deductible plan with an HSA, such as
https://www.53.com/content/fifth-third/en/personal-banking/planning/financial-calculators/hdhp-hsa-plan-calculator.html .