An HSA Explanation for Humans

Warning, the following post is aimed at younger workers in the USA without major recurring medical costs.

Every October, in every company I’ve been at, the option to enroll in a Health Savings Account (HSA) comes up and brings with it the same question: “Wait how do those work? Do I want one?”

Employers share lots of FAQs to ease the pain but they tend to be written by biased health care companies or financial firms using jargon unfamiliar to millennials like “tax-advantaged” or “savings”. At my last job, I wrote an unofficial explainer that ended up…