<prompt> Human: Just curious. I have one and know to max it out when possible, but whats with the artificial limit across the board?Assistant: Because you dont pay taxes on HSA contributions, and if you use it for medical expenses you dont pay taxes when you take money out either. The government doesnt want to let you take too much tax-free money.Human: But why is it the same for everyone, regardless of income?  <response>: Because medical costs are not income based? 