human
You have to actually have the money to save.  For most healthcare, the 6k max you can put in isn't going to cover much and most people can't put together 6k to put in the HSA.  My wife and I went with a High Deductible/HSA plan this year, we can afford to put the 6k in the account, but many can't.
gpt
{"moderation": ["safe"]}