Thanks for sharing my article @Groundedengineer. As I mentioned, I do like HSA’s if they make financial sense, but you need to do the math for yourself. If you have a lot of medical expenses, or if you’re going to need to pay extra for the privilege of having an HSA, you need to do the math. You might be surprised to find out that it’s not the best choice, even accounting for the triple/quadruple tax advantage.
For my employer, we have access to an HRA (Health Reimbursement Account). It works like an HSA in some ways, but it’s very different in others. You can’t invest it, you can’t contribute to it, and you can’t take it with you when you leave your employer, so it’s not as good in that way. BUT for my employer the HRA plan has a higher employer contribution (so less I need to pay) and lower deductible. So when you have a lot of medical expenses and hit the deductible every year ($3250) the math doesn’t work out in favor of the HSA.