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I am using a HDHP and an HSA. It is the cheapest plan my company offers. My wife and I are very healthy and don't usually go to the Dr. for more than routine checkups. My company contributes "seed money" $2000 to the HSA account to help meet the deductible.
We max out our contributions and have never taken a dime from the HSA account. We treat it like savings. If we have something come up we just pay out of pocket and keep racking up the savings. It is by far the best deal for my wife and I. Our plan is to use that money to help fund medical expenses in our retirement years.
We have learned that if you hang on to all of your qualifying receipts or load them into the receipt vault with the HSA provider you can go back and make a claim (withdrawal) against that receipt at any time. They don't expire!
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