My company's health insurance is offering a new option that includes a health savings account. I'm very interested in getting into an HSA, but I can't decide if this is a good deal. My understanding is that HSAs are available with cheaper health insurance plans that have higher deductibles. However, this plan is the more expensive option... not by much, $20 more per month ($204.61 bi-weekly vs. $194.58 bi-weekly). Both plans have the same $2000 deductible for an individual. The more expensive HSA option has a lower out of pocket limit ($5500 vs. $6350), and lower copays ($10 less). I don't get sick much, so the lower copays don't quite justify the extra $20/month. So should I pay $20/month just to have an HSA?
Bonus question: Would you include an HSA in overall asset allocation?