<prompt> Human: In October, my employer is giving us two options for insurance plans. Option 1 is a traditional plan with higher more than double what we currently pay deductibles and out-of-pocket maximums. Option 2 is a high deductible Health Savings Account. Im looking for any adviceinsight from people familiar with HSAs. Which is the better option? In case its relevant, Im a 28 y.o. under the single insurance plan. Ive attached an image of a sheet comparing our current plan to our two options.  <response>: If youre single and in pretty good health - like see the doctor maybe once a year - maybe, then a HDHP would seem to be the best option. If you have a medical history, likely have preexisting conditions warranting frequent or even moderate visits to the doctor, then Option 1 will be better.The HSA, by the way, is an awesome super-IRA that comes with the riches of a triple tax benefit:Contribute to HSA? TAX EXEMPT and get a TAX DEDUCTION! Invest HSA funds and make profits? TAX EXEMPT! Use HSA funds to pay for qualified medical expenses? TAX EXEMPT! but use it for anything else before youre 65? Penalty tax for youAfter 65, HSA turns into a regular old IRA. Just pay regular income taxes on withdrawals. Withdrawals from funds that by then have been growing tax-free. Amazing! Wait! Theres more! Save all your medical receipts! Scan them, lock them in a safe deposit box. If you can swing it, try and use savings to pay off medical bills. Protect and nurture your sweet precious HSA, watch it grow and flourish in a tax-free haven. Then if you do need some cash in the future - for anything - just pull out some old medical bills and withdraw that amount from the HSA - TAX FREE! Medical bills never expire.The End! 