<prompt> Human: My employer offers an HDHP with HSA. Deductible is 5000, with 100 coinsurance. The premium is 0.What I dont understand is - whats the point of contributing to the HSA? Say I contribute 200, and then spend 200 on health care costs.. isnt that the same thing as just paying 200 out of pocket? Im not really sure I understand the benefit.  <response>: You dont pay income taxes OR FICA taxes if it comes off your payroll. Its a very powerful tax deduction. 