My experience with a health savings account was very negative. "Savings account" is a misnomer. Once your money goes in, it's not your money anymore. It belongs to the insurance company administering it, and in order to get any money out, you must prove your expenses to the satisfaction of the insurance company. That means providing receipts for everything, and being subject to whatever limitations they've written into your coverage, just as when you're applying for insurance payouts. I found I was unable to get back what I expected to get back, and the hassle it involved wasn't worth the tax savings.