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The problem with HSA's as they were defined previously is that at the end of the year you lost ALL MONEY put into them! We lost nearly $6000 in our HSA because we thought that it would roll over into the next year. It didn't. So I basically gave the bank $6000 Free gratis at no charge and no effort on their part. If the HSA's were permanent and not "Use it or Lose it" I would go for that.........................

That is a flex plan. An HSA is different. With my HSA the account is actually in my name, it goes with me wherever and whenever. Can be used for nursing homes even when you get old. A flex plan is where they put a bunch of pre-tax money aside and it's a use it or lose it. I'm surprised you were allowed $6000, the ones I've had available they wouldn't let us go that high, it maxed out much lower than that.