Forbes.com: Saving for Your Health

It is interesting to see that some of the fear around HSA's is still alive and well after a year.

Still, HSAs do have drawbacks. If you are healthy now but turn critically ill later, you may or may not be able to switch into a traditional health policy with a low deductible. That will depend on enrollment rules at your employer.

I know that in some cases this may be true, but many times the out-of-pocket costs even when paying the larger deductible can be offset with the savings.