<prompt> Human: Im 31 always had employers who did FSAs. The options I have are go with my SO medical and do the FSA its comparable to what public employees have or us my employers with the higher deductable which allows me to use the HSA, I have wanted to do an HSA for a while not sure if its a wise move or not.  <response>: HSA is definitely more flexible as it rolls over year to year. 