If you’re young, healthy, and don’t have kids that need period checkups, vaccinations, etc… then they can be a great thing.
If you’re closer to middle age, where the body starts to fail in unexpected ways, or if you have kids that can come up with unusal and creative ways to injure themselves (like when my then 4 year old stuck some beads up his nose…) then you might suck up your entire HSA savings account on the big deductable.
If I were single and in my 20’s or early 30’s I’d seriously consider it. I’m in my late 40’s with small kids – no way I’d do an HSA w/high deductable plan now.
