Having watched personal finance content over the past several years, I'm well aware of the near-mythical status of HSA accounts. They seem great, but I feel like the required high deductible health plan defeats its whole point. Having a "triple tax advantaged" account doesn't mean a whole lot when you're effectively paying out-of-pocket for your healthcare.
This may be fine for the Ben Carlsons of the world, but unfortunately, as an actual American (middle-aged, 40 pounds overweight, drinker, double 3-digit blood pressure, and "state fair levels" of cholesterol) I'm subject to a non-zero amount of healthcare costs.
I feel like I'm taking crazy pills when I watch finance folks talk these accounts up. Am I wrong in my thinking or are HSAs only for attractive healthy people?
Big fan,
-Brice


