As someone without chronic expensive health needs, I've been on a HDHP with an HSA for almost a decade. They're great.

With a low deductible, I'm paying more up front so I can pay less if I need care. With an HSA and HDHP, I'm paying less for insurance and putting the difference into an interest-bearing account that I keep with me. Two different jobs that offered HDHPs also offered HSA contributions or matches.

Over time, my HSA has grown to roughly 3x my family's deductible. Tell me how I'm losing out?