That's interesting. At my work, it seems to be the older people who go for the HD/HSA plans. Maybe we have different standards for old. From information collected around the water cooler, I'd say almost no one under 35 at my workplace went with that, and around half of the people from 35 to 55. We have a few older gents who I don't have any idea about. Also, women don't seem to favor the HD plans much.People who rarely if ever go to the doctor would opt for this kind of policy because the premiums are, generally, extremely low compared to other policies. We have a high deductible plan at work (which has a 20% coinsurance requirement up to the out of pocket limit after the deductible is reached) and the people who take it are typically those that are younger and single. The premium is roughly 10% of that of the next cheapest plan.
Everyone should opt for this type of policy. My premiums plus the max contribution is less than what my co workers are paying for the PPO or HMO plan. If that math changes, I will be pissed, but I'll re-evaluate.