What is an HSA and is it worth it?

An HSA is a tax-advantaged account paired with a high-deductible health plan. It has a rare triple tax advantage: contributions are pre-tax, growth is tax-free, and withdrawals for medical costs are tax-free.

Who it suits

HSAs shine if you're relatively healthy, can cover the higher deductible, and want a long-term tax-advantaged account — unused funds roll over every year and can even be invested.