<prompt> Human: My employer offers a 2600 match on 2000 contribution into my HSA if we choose a high deductible medical plan. It sounds too good to be true, but Ive even had retirement counselors tell me to go with the HSA for the tax savings. Ive never used one before, so I guess my big concern is about the difficulty of using the HSA to pay for medical billsdeductible? Or do you just reimburse yourself?  <response>: My HSA gives me a debit card that I use for medical stuff. However, if you want to use the HSA money for retirement then you should pay your medical bills now with your own money and then reimburse yourself from the HSA after you retire.! 