> 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.

But you're probably paying more each paycheck for that copay plan. So you have to compare total costs.

If the copay plan costs $200/month, but the HDHP costs $100/month, you definitely come out ahead on the HDHP for the first $1200/year in medical costs.