Does anyone have experience with a Health Savings Acount (HSA)?

[The Velveteen Ocelot]

3. I have one. I'd rather have had a low-deductible policy, but

those seem to be things of the past. The good thing about the HSA is that you can take a tax deduction for the amount you deposit in it (up to a certain limit), and you would be taxed only to the extent you used the money for non-medical expenses. You can get a debit card and use that to pay whatever isn't covered by the policy (I've been using mine for some dental expenses). The best thing is that you get to keep the money, unlike the FSA, where you forfeit whatever you don't use it in a given year. I have now retired but I still have my left-over HSA account, which is mine, all mine.