I'm survived from HEP C genotype 3, so all the lab tests have showed the virus as undetectable for a recent 12 month. The problem is that I still have a cirrhosis stage 4 even though my liver condition is well compensate. I have an individual Blue Cross& Blue Shield Insurance PPO 80% with $1000 deductible and $2500 maximum out of pocket, but the premium(I'm paying bimonthly) is raised recently from $874 to $1092 because I've turned age of 50. Moreover, my plan would be renewed in March so that they told since next April my premium is raised again to $1278. However, my doctor wants to see me in 6 month to do an upper endoscopy and all of medicine I take are Folbic and Nadolol which are not really expensive. Since that friend of mine suggests me to switch to HSA ( Health Saving Account) plan with a low premium and about $1200 deductible. Would it really better? Would I really pay less? I have to make a decision by March. I hope some of you have all needed practical experience to be able to suggest me what should I do in my case. Thanks.