His does an HSA lower the cost of a medical procedure?
Here's an example. I don't have Medicate Parts B or D (no, they aren't required). Just over a year ago, I dislocated a shoulder.....it wasn't cheap. But after the initial costs, there were places to save. I didn't use pain killers or any expensive meds...just a few Advil. I only did five Physical Therapy visits, and instead did a lot of research to implement an exercise routine. When I needed a shoulder brace, I got it online for $30. How much more do you think it would've cost if the bills were paid through insurance, with no scrutiny?