Who offers this to individuals or very small companies?
As an interesting side note. I was talking to my doctor, who happens to have the same health insurance as me. He said that I am better off using my HSA in most cases. For example, his practice charges $130 for a routine visit if I pay directly from the HSA. If I charge it to my insurance, its more like $1300. Why? 1, because dealing with insurance, by his own admission, is a PITA, and 2, he will ALWAYS charge the maximum that will be covered by insurance... its how business is done. But for cash (HSA) payments, the administrative overhead is so low and the risk factors for nonpayment (insurance denies the claim, etc) are so low and the A/P cycle is so short, he would rather get paid $130 NOW (on my way out) than get $1300 90 days net IF insurance approves the claim. He said a lot of doctors and dentists do it this way and I should ALWAYS ask 'whats the cash price' because some have tiered rates like he does. Most people don't care that its cheaper to pay cash because for most people, their primary concern is out of pocket expense. Most people would rather charge their insurance $1300 so long as they don't have to pay anything than to pay $130 and not 'overpay' (albeit opaquely)
What about with prescriptions? Is it better to pay cash price via HSA, or can you get a cheaper rate through your provider?
Now think about what the Health Insurance industry wants you to think is the definition of Insurance: In addition to the above, pay us all the money you'd normally save for cold medicine and doctor visits and we'll give most of it back to you when you need it.
They're not the same thing, and if you're paying for the 2nd one and not using it every month, you're going to come out worse.
I've already moved halfway around the world (my startup needs cheap labor) and run a much higher risk of death than in the US. Why should I worry about a financial hit on top of death?
(Amusingly, my Mom worried about the Mumbai bombings 150km away from me. In reality, she should worry about me looking the wrong way while crossing the street.)
It's an awesome city though not always cheap. More likely you're somewhere else in India hopefully!
Low deductible group coverage is mostly useless if you're young and healthy. High deductible "Don't ruin my life if I get hit by that taxi and only break my hip" insurance is absolutely worth it.
How old are you? My parents health/dental/vision coverage extends to all children until 26, and I think one of the benefits of Obama healthcare overhaul is that all health care plans must cover children until 26.