So it's time to select healthcare insurance for 2015. I have retiree insurance that pays most of mine but the wife's insurance is about $750/mo for a low deductible ($600) ppo plan. We are both a few years short of medicare. I noticed we can switch over to a High Deductible plan for the wife and I for about $550/mo with a higher($3000) deductible. This seems reasonable and then I realized I can put a deductible $7500/year into the savings account and if I choose, pay the premium from the HSA tax-free. Being retired we don't have enough healthcare deductions to meet the healthcare threshold of I think it is 10%. Has anyone been using the HSA this way to be able to deduct the entire premium for HDHC?