FYI, the small non-profit where I now work switched to an unusual arrangement this year in an effort to keep premiums affordable for them and for us. For the employee, they pay 100% of the premium for a catostrophic policy with a high deductible. Then, the agency has an HSA from which they will reimburse the employee the first $700 and the last $1300 of the $5000 deductible.    The employee does not contribute to the HSA. The catastrophic policy pays 100% of preventive care, and has a standard RX co-pay similar to most insurances.    After the deductible is met, it pays 100%. If I have no major illnesses that require expensive tests or hospitalization during the year, I'll probably be reimbursed for all out of pocket expenses from the HSA. If I do have major issues, I'll end up paying up to $3000 out of pocket.

The HSA covers the employee only. For my minor child, I decided to get a private BCBS policy with a standard $20 co-pay for office visits and a $1000 hospital deductible for about the same cost as I would have paid to include him on the catastrophic policy sans the HSA benefit.

It ain't a great situation, but is a pretty creative attempt by a small agency to come up with a way to be able to continue to offer insurance at affordable cost to it's employees.