I was enrolled in Employer based Insurance where I did not have to contribute anything. Doc Visits were $20 copay and Tests were $10 copay. For next year they made changes and charging $120 per paycheck.  They introduced a new 0$ HSA Plan where my contribution is 0 but have to pay full amount until my limits are reached. $4000 per person max limit and $8000 per family. Company is contributing $750 and I can contribute upto $8300.  Did some reading on this  but dilemma on how much to co