 So they're really the best tax-treated account there is from a tax standpoint. So if it makes sense at all to have an HSA health insurance plan, now that depends upon your health factors. If you need a low-deductible health insurance plan, then maybe an HSA doesn't make sense for you because HSA plans are always going to be a high-deductible plan. If you have an HSA plan, you can do an HSA contribution. If you have one, try to maximum fund it each year if you are able.