Yes I like the idea of a HSA, currently have a flexible spending account where I have to guess how much I will be needing a year in advance and if I’m wrong can only carry over $500 to the next year. I really should get a doctor for yearly checkups but I’m afraid they might find something like stage 4 lung cancer like in the movie Dead Pool (dad smoked a lot when I was young). Anybody recommend a reasonably priced but excellent doctor?