<prompt> Human: Im just having trouble finding a downside to it and hoping you guys can help me out. My company will contribute 240 annually on top of what I contribute. I figure if I throw in a little bit on top of it, itll help out a lot for deductibles and what not. It 100 rolls over year-to-year so I dont have to worry about spending it every year. Im thinking about contributing about 10-20 a month, with 44 a month going towards the cheaper plan. These two combined would still be cheaper than what I would pay for the more expensive plan. The annual deductible for the cheap plan is 1250. with 84 coinsurance. Thanks for reading. I know health insurance is a really exciting subject. Assistant: I love my HSA and wont be able to help you find a downside.With HDHPs in general, it can be annoying to try to find out prices for health services. Insurance companies wont always tell you, and doctors dont always know. But if you put in the time, you can save a bundle, so its frustratingtime-consumingannoying, but gradually getting easier and better.If you do end up doing the HSA and i think you should, try to set up contributions through payroll that is, have the company make contributions on your behalf, instead of paying you and having you make contributions and youll save payroll taxes in addition to income taxes.Human: Thanks for the advice. Yeah I think Im definitely going to do it. Yes, my company will directly make contributions while whatever I contribute gets taken out of my paycheck. Assistant: If you havent already read about it, do a Web search for HSA as super IRA and consider paying medical expenses out-of-pocket, to be reimbursed later. If your cash flow can handle it and your HSA custodian offers decent investment options, an HSA can be the best retirement savings vehicle, by far.Human: Interesting. I will definitely look into that!edit: ahh... This is very clever... I could see how it would take a lot of discipline to make sure and save all of those receipts over the years. But that could work out really well.  <response>: If you need to save receipts - of course do your best to keep a hard copy of them, but also scan them in and save them on like google docs or something. Then you can also keep an inventory of them in a spreadsheet to keep them extra organized. 