If you have access to an HSA, you should max that out if you're already getting the employer match on your 401K.
I tried to consider the HSA during open enrollment, but I am really aversive to tying in health care with savings account.
I did the math, and if we don't go to the Dr a lot (which we don't) then it really looks like a great option. BUT with 2 kids , and 2 active adults someone ALWAYS gets hurt at least once a year, and then all the savings of the high deductible plan are gone, even if I don't take the money out if the HSA to pay for it. For example, last year the cost for one simple fracture would have been more than the potential savings with the HSA
I come from a country where health care is a human right, and everyone has access, so the american system is still strange to me even after a decade. I don't even put money into my FSA because I can't know if I'll need it, and it's use it or lose it.