Comment by iheartpotatoes

Have you tried an HSA? What are the caveats on yours? Does the money roll over? Are there limits on how much you can put it? Does the bank that owns your HSA invest it? HSA's look like they were designed to save people money, but they are really just another way for banks to get more capital to invest, which is why there are so many caveats on them. I think it is abhorrent that an HSA even has to exist. An easier sol'n would be to allow no minimum limit on tax deductions, it just makes more paperwork for people. But I think HSAs are a bandaid to a broken system.