text:  So what they were looking at is, hey, we want to save $75,000 a year. Right now, we're only getting $30,000 a year in a tax-efficient place. What do we do with this other $45,000? And one, they didn't realize the tax benefits of having an HSA. And by making a little change to their health care plan at work, now they had the ability to finally contribute to an HSA, which they didn't before.