<prompt> Human: I am starting a new job that is offering an HSA. I am single, 23, relatively healthy.The choice is basically HSA vs low deductible plan. There are 0 pay period costs for either. The deductible is 5002000, OOP max is 25006000. The co-pay is 20 if I choose the non-HSA plan.The only hiccup is that I usually attend therapy. I dont take any medication and it is somewhat debatable if I even need to be going at this point, but it is sometimes helpful to catch downwardanxious trends early.I feel like there is no way that an HSA is a smart move, even though I would have enough leftover in each paycheck to max it out as therapy would cost around 260 a month towards the deductible and Id still be paying more than the co-pay after I hit the deductible.Ive always heard HSAs are a great choice... but none of my math tells me it is. Is it really only worth it if you are spending literally nothing on health costs? Am I missing important calculations in my math?  <response>: HSAs are great if you are relatively healthy. If you know you have regular expenses, the math might not work out. 