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The reason is the until you build up enough money in your HSA to cover the higher out of pocket costs you are saving no money. At that same time, you are taking the risk of having to pay out more money if you go to the hospital. Once you pass 55, it's not completely unreasonable to have a hospital visit every three years or so and the risks get worse as your age increases.
HSA's are a scam.
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Not true. You don't need to build up money over time with them. For example, if you want to alot 4000 dollars into a flexcare acct, you recieve the total amount on Jan 1. True, if you don't use the entire amount by the end of the year, you lose it. But if you know what you're gonna use it for and know the amount of the services to be used, HSA are great plans.