Health insurance

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Does /biz/ know health insurance?

I used to enroll in my employer's high deductable plan because it was cheaper and I pretty much never used it. The plan has higher deductibles but provides an HSA that they contribute like 500 bucks a year to.

This year I switched to the low deductable higher coverage plan becuse I am becoming an old fag and I might require surgery. With all the potential costs and complications of major surgery I thougut it wise to have the higher coverage levels.

So, it turns out I get to keep my HSA ( with almost 1k in it I never used) and still use it for tax free medical spending. Coming in super handy for little things like dental copays and the like. Since I am not enrolled in a high deductable plan I can not contribute to the HSA, just use the money already there.

I am wondering if it makes sense to alternate coverages year to year? Like. Get that fucking gall bladder surgery and a few other big expenses knocked out this year while I have high coverage, then go back to the high deductible plan next year, pocket another 500 bucks, and dump the premium savings into the HSA for tax relief. Then switch back to the low deductable plan the next year to take advantage of lower deductibles ( I now get to pay with pretax hsa dollars).

It seems like this would be the best way to do insurance so long as one can put off non emergency treatment during the high deductable years, then get everything done during the low deductable years.

Is this too mundane for biz? Do any of you spooks work in medical insurance ?