I think HSAs are overrated. My biggest problem purchasing healthcare isn't that I can't scrape up the funds, it's that as an uninsured individual I'm charged a much higher price for services than the insurance companies will pay. So $1000 of my money in an HSA doesn't go as far as $1000 from Kaiser Permenante. Not nearly as far.
They sort of go hand-in-hand. Right now I've got a Blue Cross plan with an HSA. I pay for the majority of stuff from the HSA, but I'm generally paying a 'Blue Cross negotiated' rate for things.
