text:  And one, they didn't realize the tax benefits of having an HSA, and by making a little change to their healthcare plan at work, now they had the ability to finally contribute to an HSA, which they didn't before. That allowed them to contribute $8,300 plus $1,000 in catch-up contributions, $9,300 a year now going into an HSA, which isn't just tax-free, it's getting them a tax deduction here at the same time when they're making that allocation.