They way I look it we have two options. 1. Pay a higher monthly premium upfront and less out of pocket per each visit. 2. Pay a lower monthly premium and higher out of pocket per visit. Each family is different and will need to decide which way to go. Unfortunately this is the current state and future of healthcare in the US.
HSA is probably best for a single person, who has several years to help build up the balance for their future - prior to collecting a spouse and kids.