Which Health Insurance Benefits do I choose?

When facing a similar choice, I went with the HSA, because of the tax advantages. However, I do not use my insurance for treatment. I just have it so that I can use if there is an unexpected situation that has not happened to me in my entire adult life. I do not pay the deductible, because I get no treatment with it. I have used it for vaccinations (an H1N1 nose spray and a "healthy check" visit that including a tetanus shot and a seasonal flu shot), but the deductible did not apply to these things. If you have kids that require a lot of medical care, then you have a different situation than me.