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I think the main difference is that the HSA allows you to keep the money in your account year over year, whereas I believe FSAs you have to use during the plan year or the money goes away. I had a high deductible plan and an HSA for a while. If you are pretty healthy you aren’t going to spend much each year and save on premiums. You can put the deductible amount into the HSA and keep it in case you need it at some point.
If you are married or have kids then you probably aren’t going to save money with the high deductible plan compared to the lower deductible plan. At least that’s my experience as a married guy with kids. I have a plan with high premiums and low deductibles and everyone but myself uses it heavily.
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