<prompt> Human: 80.18 is taken out of each paycheck for medical insurance. I have an HSA, to which my company contributes 20 a pay. The 2016 tax penalty for not having health insurance is 695. I am a healthy young adult who has not seen a doctor in years, and will hopefully not need to for the foreseeable future. Should I save money and take the tax penalty or keep my HSA for 2017?  <response>: Definitely keep for Health insurance. Its only costing you 600 more a year than the penalty correct? You say nothing will happen but if it does it could bankrupt you. 