<prompt> Human: My wife and I are late-30searly-40s, childless, relatively healthy though of course that could change. Ive always opted for traditional health insurance, but some coworkers have been trying to sell me on the high deductiblehealth savings account plan. But I dont know what Im doing and would rather admit my ignorance here than to them. Thanks in advance!The employer contribution to the HSA is 6,900, which I am told is absurdly high. My own insurance costs would be 1,344yr. The deductible is 5,400, and the max out-of-pocket at least, in network is 9,200.Questions:1. If I have high medical expenses next year, am I correct in understanding that I will essentially end up having to pay 2300 9200 out-of-pocket maximum minus 6900 HSA?.2. If I have money remaining in the HSA at the end of the year, am I correct in understanding that is mine to keep, even if it was contributed by my employer? I understand I would have to pay tax penalties for withdrawing before age 65 or spending on non-health-related expenses.3. Can I contribute additional funds, or does the 6900 in employer funding max out the allowable contributions for the year?4. Anything else Im missingmisunderstanding?  <response>: The employer contribution to the HSA is 6,900.Wow! That is the maximum you can contribute to an HSA per year. Period. Thats awesome. Most employers only put 1,000-2,000year, and you have to put the rest yourself. If I have high medical expenses next year, am I correct in understanding that I will essentially end up having to pay 2300 9200 out-of-pocket maximum minus 6900 HSA?.Yes. If I have money remaining in the HSA at the end of the year, am I correct in understanding that is mine to keep, even if it was contributed by my employer? I understand I would have to pay tax penalties for withdrawing before age 65 or spending on non-health-related expenses.Absolutely yours. Can I contribute additional funds, or does the 6900 in employer funding max out the allowable contributions for the year?6,900 is the maximum contribution of employer employee combined for a family, so you cannot put anything extra. Anything else Im missingmisunderstanding?It will likely be the case that they put the money into your HSA account every time you are paid, meaning they arent just putting 6,900 on January 1st. So if you are paid bi-weekly, they will put in 265.38 per paycheck. If you quit in the middle of the year, you will get to keep whatever was put into the HSA up until that point, but no further contributions will be made by your employer.One of the best things about an HSA is, you can invest the HSA money into funds, and the growth from the funds is also tax-free when used on medical expenses, so definitely look into if your employers HSA bank offers this through AmeriTrade or someone else.Edit: The deductible is 5,400, and the max out-of-pocket at least, in network is 9,200Look into your plan. After the 5,400 deductible, you will likely have to pay 10-20, until you reach the maximum out of pocket of 9,200. This percentage can tell you how much you medical expenses would have to be to actually get to 6,900 and 9,200. For example, if the percentage is 10 after the 5,400 deductible, then you would need to incur 15,000 in medical costs in order to pay 1,500, for a total of 6,900 for the year, meaning balancing out what your employer contributed to your HSA. And another 23,000 in medical costs to pay the extra 2,300 before you reach your yearly maximum out of pocket.Also, another big benefit of the HSA is the ability to save and grow your money tax free to take it out at a later time. Meaning, you can pay for medical costs out of pocket if you have funds, so not from the HSA. This leaves the money in your HSA account invested in the market, growing tax-free. You can save all the receipts I scan them into a Google Drive folder from your medical expenses that you paid out of pocket.Then lets say 10 years down the line, you are in dire need of money. You can add up all the receipts you had saved, and take that money out of your HSA without any penalties, even the gains on your money. Its an amazing benefits of the HSA! 