I have been researching HSA plans for my healthcare coverage, and I gotta say I do not understand what these plans will and will not pay for. And since my current health insurance is screwing me over (totally basic and doesn't cover anything but million dollar injuries) I'm thinking about switching. At least with an HSA, you can use it to fund retirement if you still have money in there by that time. Sounds like a deal to me, but because I'm technically self-employed, I have to joy of wading through information that does not make any sense to me.