>What's the situation where it's better to enroll in HSA? I always do FSA, but I'm scared to enroll in high deductible plan (requirement to enroll in HSA) because for a typical primary care visit, for FSA, I only pay $20 Copay, but with high deductible plan, I need to pay 20% coinsurance. Thanks in advance for the info.

Actually you'll pay 100% until you meet your deductible.