[Rick Lee]

I have a high deductible plan. Ded. is $1800 and they pay 90% after that. I put $75 per paycheck in an HSA, so I have $1800 at the end of the year. Actually I burn through about $500/yr. on drugs, co-pays, dental stuff and other stuff not covered. So the $1300 I have left means I'll have to come up with $500 out of pocket if I get into an accident on Jan. 1, 2015, plus the 10% they don't cover, which probably won't break me. I think we're gonna have an even higher ded. plan offered when open enrollment starts in a few weeks.

FWIW, when I go to the doc. or buy scrips, I do get the insurance-negotiated price, even though I'm paying from my HSA.