HSA vs. traditional medical insurance

[http://dummy.us.eu.org/robert (Robert)]

With an FSA, $500 visit costs $100 (20%).  But, it's pretax so it's about
30% off that; so, about $70, which is a little more than the average
co-pay.  My co-worker told me that HSA works best for people who don't go
to many doctor appointments.  Which makes sense.  I calculated that,
between both of us, we go to the doctor about 9 times per year.  Between
my poor eyesight and poor hearing, it may not make sense.