My first attempt at some open discussion... It's that time of the year for open enrollment for 2015. My company is changing providers from United Healthcare to Cigna, and offering HSA. Looking for some input and advice. I for the life of me cannot find a reason to not take the HSA option, so looking for some advice with that...we are family of 5 yearly spend about 4K on health expenses with use of FSA account. The other thing is Cigna...everything will go thru them Medical, dental, vision, and life. Any good/bad experiences with them?

Thanks,
Art