Ok I have had 4 different sales rep's from 4 different carriers tell me that they are not happy with the HSA business. They are telling me with the 100% co insurance plans that the high claims people after they hit there deductible are not practicing any kind of consumerisim. The sales people are all pressing me to sell the 80% co insurance HSA plans. I don't like those plans because the savings is not enough to justify. Is anyone else hearing the same kind of things from the carriers? If so what do you think of the 80% HSA plans?