Health Insurance for Self-Employed Question: HSA or Low Deductible? Greetings!  I've moved out of Massachusetts, where I was covered by state health insurance, to North Carolina, where...I'm not.  I'm trying to decide between a high-deductible plan with an HSA or a low-deductible plan.  I'm having a lot of trouble deciphering what's best after spending weeks reading everything I can find.

Important factors: I make 15,000/year before taxes.  Also, I tend to have a lot of trouble with allergies/asthma that often leads to respiratory ailments.  I can't think of a year in my life where I didn't have at least one course of antibiotics.  

I'm thinking low deductible might be the way to go, but I thought I'd ask in case the HSA is a huge advantage that I shouldn't miss out on.

Thanks!