<prompt> Human: Im 24 and still under my parents health insurance. Ive maxed out my 401k and Roth IRA and have a comfortable emergency fund. Next it seems that one should take advantage of an HSA for those interestedHowever I am under the impression that you need to pay for health insurance to have an HSA, and I dont know if its worth it to pay for my own health insurance in order to open an HSA. Any insight is appreciated!  <response>: Yeah, you need to be enrolled in a HDHP High Deductible Health Plan to contribute to a HSA. 