<prompt> Human: My employer sent out their annual Heres your shit options for insurance. Now shut the fuck up packet.Clearly theres a big push to move people into the HSA program.Am I understanding correctly that HSAs are in fact not savings accounts but investment accounts? As in, when I sign up for an HSA, I need to decide what mutual fund to invest that money in?And because its an investment account Im paying fees out of the HSA to not only the insurance company fuck you Aetna you steaming pile of shit but also to the mutual fund manager?In what world does it ever make sense to have your medical well being tied to Wall Street? Even if you do something relatively safe like put all your money in index funds the level of risk is absolutely nuts when weighed against your ability to pay for life saving medical procedures. Add on top of it the bullshit fees that are constantly dinging away at your investment medical savings and all youre really doing is helping those dickbags further line their pockets.Or am I misunderstanding how HSAs work and over blowing the entire HSA structure?  <response>: Or am I misunderstanding how HSAs work and over blowing the entire HSA structure?Yes.HSAs are primarily to allow you to pay medical expenses with income not subject to tax. 