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Will the HSA pay 1%? I can't seem to get 0.5% ... but if it does, good stuff. The inpatient stays could hurt but again, hospitals are good about payment plans. All they want to know is that you'll eventually pay. So you could continue to save and pay an unexpected inpatient stay down slowly.
The savings over 10 years are great. Sounds like a winner. If I had that choice, I'd do it. I got caught this year paying max out of pocket but still have all my premiums to pay and no HSA to show for it.
It does depend on you being comfortable with saving $130/week no matter what. Or really, $130 every other week, since the cost is $130 less per pay which you can put directly toward it. If you can do that and don't have a bunch of other major expenses looming (major car expenses or whatever), that's great. If you did have other major expenses in the offing it might be different. But savings over time is a great way to go.
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The greatness of a nation and its moral progress can be judged by the way its animals are treated. - Ghandi 
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