<prompt> Human: Hey rpersonalfinance, long-time lurker and first-time poster. Im set to graduate in a few months, and Ive secured a job thatll pay roughly 70k in an expensive city. Ive been looking at the benefits of the job, and they offer a HSA in conjunction with a HDHP. Thanks to the ACA, I was planning on staying on my parents health plan which they have no problem with for as long as I can, and I was excited at the prospect of being able to dodge a major expense. However, Ive been recently reading about HSA tax benefits and the ability to use HSAs as super-retirement accounts. Should I just stick with my parents plan for free, or should I try to find the cheapest HDHP and then make pre-tax contributions to an HSA? I have about 30k in student loans and 2k in a Roth IRA. TL;DR Is the benefit I get from not having to pay for health insurance outweighed by the lost opportunity to build tax-advantaged HSA savings?edit: phrasingedit: spelling...yikes  <response>: This only makes sense if you are maxing your 401k and IRA. Otherwise you are paying for the opertunity to avoid taxes on 3600ish. Reconsider when you are 26, or if premiums are very low and youve run out of places to stuff your savings. 