My employer offers health insurance, FSA and HSA. If you go with the "regular" health insurance, you can also get a FSA that can be used on any medical stuff.
If you go with the high deductible inssurance, you can get the HSA and you can also get a limited FSA. The FSA is only good for dental and vision. I did this last year and it worked out great. This year I dropped the FSA and I prefer to have the FSA as well. I wear glasses, both kids wear glasses and the wife has readers. Plus I have dental issues. But since the money in an FSA goes away if you don't use it, you have to plan ahead.
Based on taxes, it sounds like if you put more into the HSA than you use, there could be tax consequences. I went with the HSA so that as I age, I can slowly build that up so we have some additional medical moneys in case one of us has something major happen.