I'm sorry you haven't gotten more responses! I have been noodling this question, too.
My husband and I are both self-employed and I think the HSA is worth a LOT to business owners. Why? First, you can deduct the premiums no matter what plan you choose, as a business expense. Whichever bronze plan you have, you'll also have a deductible to meet. Without an HSA plan, you won't get any tax benefit for any expenses you pay up to that deductible.
However, if you run your out-of-pocket expenses through the HSA, they are tax free. So the plan is worth:
Your combined tax rate (federal + state + self employment) x Your expected out-of-pocket medical expenses for the year.. That's your extra $$ for choosing an HSA.
Someone please correct me if I'm misstating the math/ dollar value here.
I actually compared a bronze plan with HSA and a silver plan without. Amazingly, the bronze plan was cheaper whether we barely used it, used it an average amount compared to previous years, or maxed it out on one or two people. (we have a 4-member family). The HSA tax-savings was an added bonus!
What I also like about the HSA (compared to an FSA for medical) is that you can just put money it in as needed. If you have a $300 doctor bill, you can deposit that amount into the HSA, then claim it and take it right back out. However, if you have NO medical expenses (Ha! Right!), you don't have to put any money in the HSA.
Also, you don't lose your HSA money at the end of the year if you haven't used it.