<prompt> Human: Hey guys. Need your help on this. Im still relatively young in my career and new to the healthcare election process. My new job offers free healthcare. They have three plans. Of the three plans, Im debating between two of them. Both are free. However, one will allow me to put into an HSA account, but its high deductible. The other is low deductible but wont allow me to open HSA. I think that one allows for an FSA but that has a cap on the amount of money that rolls over each year if I dont use it. So some background on me. Im a healthy single 25 year old. I rarely go to the dr office outside of regular check ups: Im really thinking about the high deductible plan purely for the tax free savings side of it. What are your thoughts? I guess the most risk adverse thing to do is pick low deductible in case I actually get sick this coming year. Do you guys think an HSA is worth it in the long run?  <response>: the HSA plan costs the company less. If they are not offering to put some money into the savings account for you, or giving you some other incentive to choose it, you are almost certainly better off using the low deductible plan.The HSA account only really makes a difference to you from tax savings under 2 circumstances:1. You have unanticipated medical expenses higher than you would plan for in the FSA -- unfortunately, its probable that the lower deductible will be worth more in this situation to you than the ability to spend your HSA money on medical expenses tax free.2. You are already maxing out your other tax deductible options like 401k, IRA, Roth IRA.Even in case 2, its unlikely that this value will be worth more than the difference between the two plans, even if you are in the top tax bracket.Generally an HSA is a great idea if three things are true:1. You have the savings to handle a major medical issue that makes you pay the whole deductible.2. You dont have high expected expenses due to ongoing medical issues, OR, they are so high that your copays under the low deductible plan would be near to or higher than the deductible of the HSA plan.3. You get the benefit or most of it of choosing the lower cost HSA plan.When I was an employer, we offered HSA and a regular plan as an option to our employees. We charged about 20 of plan cost to the employee, but we gave them 100 of the savings if they chose the HSA plan, which meant that instead of paying 35check, we would actually give them 10check to go into the HSA, because the plan cost us something like 100month less. The difference was bigger for older employees. Even with that, only one person besides me took the HSA option, because most of them didnt have the savings to handle paying the whole deductible, or had chronic conditions that would be less expensive under the low deductible plan. You would fit the profile of me and the other guy who took it -- no chronic health issues, decent emergency savings. But NO WAY would I or my other employee have taken the HSA option if it cost the same as the low deductible option. The tax advantage isnt worth anywhere near that much, especially because your investment options in an HSA are somewhat limited.Check to make sure the company isnt offering to put money into your HSA for you -- that could swing the balance to making it worthwhile, but otherwise, go the for the regular plan. 