Pros & Cons to HSA's

Implications: HSA's are many involved with higher deductibles.  It is an attempt to lower health premiums, but with greater participation by the insureds. Depending on the plan the high premiums may be pretax and the balance left in an HSA can be rolled over into the next year and not lost like with a FSA.  Contibutions to HSA do not affect contributions to and 401(K) and can be transferred from one employ to another.

Analysis: HSA' are still the way of the future.  This article helps understand why!!They yield in essence a triple tax benefit and have great flexibility built into the plan.  A short turn downside is that insureds have to put up a little more to their deductible, but it saves them in the long run because that money may have came tax free and and the initial premiums are lower.  HSA's do not have that use it or lose it feature, as it can be carried over and in some instances be used for kids after the named insured passes.  This project is clearly on that all need to see the forest thru the trees.  It starts out a little tighter, but is much better in the long run.
http://www.selfemployedweb.com/hsa-good-news.htm, http://www.kardelinsurance.com/health_savings_accounts.htm