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And don't actually spend it on health, invest it
HSA - max out and invest. If you don't use it by a certain age it becomes another tax free retirement account (better than Roth or regular because you get deduction and no tax payments at the end).
FSA - tell them to pound sand.
If you actually use regular healthcare HDHP is usually a bad idea. I never use healthcare so it's perfect for me.
Max it out
Make sure it’s an HSA. My firm has something called a health care spending account. It’s not an HSA it’s an FSA and you can only carry over $500 of unused, the remainder you lose. If it is an HSA do what the guy above said