<prompt> Human: Hi guys, few quick question about HSAs. So I recently started a new job about 6 months ago, and got an insurance plan with a health savings account. My employer contributes 875 annually to it, and I currently am not contributing to it. My first question is this: when is it appropriate to actually use this money? Im not very knowledgeable when it comes to finances hence why Im subbed here, to learn more but I was under the impression that you want to avoid using it if you can and just pay under your deductible, which for me is the 1000.So heres why Im asking: I got hit with a 500 bill for a medical test this week, which I suppose I wasnt expecting because I wasnt sure how my new insurance worked. Since its the end of the year and I havent paid most or any really of my 1000 deductible and I dont see many more medical expenses down the line this last month, is it appropriate to use some of the HSA money to pay this bill? Also I dont really have an extra 500 in my budget this month with it being christmas and all. Thanks!  <response>: You should use your HSA whenever you have a qualified medical expense you want to reimburse yourself for. HSAs are triple-tax advantaged: not taxed going in, tax free growth, and no taxes for use on qualified medical expenses. 