I'm with BrownIEman, opting out, taking the $500 credit, and jumping on wife's plan. That said, I think the Healthy Savings Plan could save a lot of people a lot of money if they have (relatively) low heathcare costs. Think about this, the out of pocket max is $4,000 for traditional (family), and $6,000 for Healthy Savings (family), and the premiums (payroll deductions) are nearly $2,000 more for the traditional...
Prescriptions are "better" covered (no deductible) under traditional, so that's a consideration, but again, without major health issues, a family/individual would be WAY ahead in the new plan. I'm not in HR, but did have to present the plan to my operation, so if you have any questions, let me know. -Hawk