Max contribution per individual per year to an HSA is $3050 currently. Assuming you did a good job investing and didn't lose money in this last market downturn, you might have saved like $15000 in the past 5 years. Remembering that your HD plan only covers 80% beyond your $5k deductible, this won't even last 2 years if you have a serious illness.
I don't see HSAs as an add-on to insurance (i.e., offers any kind of protection). I see them as a way of paying for meds, office visits, etc. with pretax dollars as long as you are healthy and continuing to work.
You're right, but the point of an HSA is to cover the cost of paying most low-to-medium-grade medical problems out of pocket, and to relegate health insurance back to its original role as insurance.
Also, you don't have to be good at investing to fully fund an HSA; the difference in cost between low- and high-deductable insurance is supposed to offset the cost of funding an HSA, and currently does do that.
I don't see HSAs as an add-on to insurance (i.e., offers any kind of protection). I see them as a way of paying for meds, office visits, etc. with pretax dollars as long as you are healthy and continuing to work.