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They're usually offered as an option for work-sponsored plans. You can get a low deductible plan that your work pays $1k a month for, or you can get a high deductible plan for $500 a month and the company gives you the other $500 into your HSA tax-free (oversimplified, of course).

They actually make a ton of financial sense, but too many in the US would rather overpay for insurance rather than have to shop around.



I agree they make sense, however they are incentive directly aimed at the rich/well off who will benefit most from this (and can afford it).


???

How so? They are capped at like $6k a year.


Anyone can buy HSA eligible high deductible health plans on healthcare.gov too.




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