<prompt> Human: Single guy 30 years old no investments or anything fancy. 2016 made 44400 gross. My first full year with a real job was 2016finally.So I am a bit new to this kind of thing...Subtracting the standard federal tax: 5000 SS: 2800 Medicare: 650 and state tax: 2100on top of standard deductions every two weeks:401k: 100 and medical insurance 35, as well as life insurance and a few other minuscule things. I feel like I got robbed. Tax refund was only 350. How can I reduce these things? Also, if the Obamacare penalty tax gets taken away, would it be a better idea to just put money in an HSA and not have insurance? The deductibleout of pocket is ridiculous for 352weeks in my opinion and would love to get rid of it. Im healthy, am an athlete, no bad habits, etc so I dont think Ill need it but there may be factors I am not considering. Thanks!  <response>: Who will pay for the cost of your medical care if you dont have insurance? 