- Prefers maximizing take-home pay
- Has sufficient existing HSA balance or emergency cash reserves to cover the deductible
- Values tax advantages of the HSA
- Risk tolerant
- Prefers spending $1,500 more in annual pre-tax dollars to eliminate the financial and cash flow risks of the HDHP
- Realizes that he might be prone to delay or forgo recommended medical care under the HDHP design, regardless of funds available in his or her HSA