Healthcare Education and Q&A Thread

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Sneed we currently have an HMO or maybe its called a PPO and the rates have jumped to over $700 per month for a family of three. Me and my wife both have a Life/Health ins lic. but we do not sell any health ins. I have been bugging my wife for the past 2 years to switch over to a health savings plan and after taking a course (she had to take something for continued education requirments) she took a course on HSP and has now agreed to switch. We all have appointments to have everything checked out before we switch over so we will know we are all in good health. Besides having a higher ded. is there anything we should look for in a HSP that we may or may not want? I'd also like your opinion on these plans. My figures show we will save almost $400 a month which we can put into the savings sides which I no are tax defered if used for med. bills. I read something that we may want to work out something with our doctor on billing so we don't pay top dollar for every visit and get billed closer to what they bill ins. co's.