<prompt> Human: Im 24 years old and in good health. The health insurance through my job is a high deductible plan 2200 but theres no HSA available. What they do instead is take out whatever amount you choose from each paycheck and put it into a savings account for your deductible. No tax advantages... I think its stupid but Im sure it saves them money. At the end of each year, we get a deposit into that account for about the same amount as the deductible. Its just a regular savings account in my name, so I can do whatever I want with it.My question is, is it better to count this toward my EF or keep it separate? For example, do I want 6 months of expenses in the EF on top of the 2200 deductible or is sticking it all together fine?  <response>: You can open your own hsa 