Reply #107: no, MSAs rollover

[northzax]

HSAs don't.

I personally just got my MSA, and it really is the best of all possible worlds, for my employer and myself. My employer gets to save 200 bucks a month getting insurance for me with a very high deductible ($1200 in my case) and then puts $1200 of that savings (half of it) into an MSA for me, tax free. My deductable is, therefore, in real terms, zero. if I exceed it, it is covered by insurance, if I don't exceed it, I can either use that money for something else (glasses, a massage, whatever) or save it for next year. the account earns interest (not much, but some, like a regular savings account at my bank) and I have both a checkbook and a debit card to pay directly from it, no getting reimbursed.

what's not to like?