Reply #63: I think HSA's are a good option for young people who's employer makes the monthly contribution

[ourbluenation]

to it on their behalf. Younger meaning it's more likely that they won't have a lot of health problems. But the people who choose it at my workplace are older people with diabetes, high blood pressure, etc...the savings account pays for their portion of the medications they need and often there is a zero balance in their accounts. The downside is that they will personally be responsible for the high deductable should they have anything catastrophic. Ideallly, you would build up the account with a balance that meets the deductable if needed, and then use anything after that to pay for incidentals, medications, etc...