<prompt> Human: Yes - you have to be enrolled in a high deductible health insurance plan to qualify. Most companies offer an HSA plan of some sort - my plan has a 3,000 deductible family except for preventive care. After that all costs are covered 100 including prescriptions.You contribute pre-tax dollars into your health savings account. The max for 2018 is 6,900 husband and spouse. Lets say we max out our deductible. We can roll the remainder 3,900 to the following year. At the same time, you can invest this money like your assets in a 401k and take it with you when you leave the company.You can roll it over indefinitely into retirement. I know one of my biggest concerns about whether Ill have enough money in retirement is the cost of health care. Wouldnt it be nice to have a nest egg of non-taxed money to use in retirement? As long as the balance is used on health care, the contributions and earnings are tax exempt.What am I missing, guys? Why isnt everyone jumping on this bandwagon? Ive got people at my work arguing with me about it. They say I should go with the PPO and have a 30 copay and 1,500 max out of pocket.  <response>: It depends on your entire financial and medical situation. If you expect higher medical costs and still have space in your 401kIRA, then it might not make sense. 