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Reply to "Very basic HSA question"
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[quote=Anonymous]I contributed the max to my HSA last year (7K) but at open enrollment this year tried harder to understand the whole concept. What I now get is that this is really a way for me to lower my taxable income; not help pay for medical expenses. I'd have to exceed 10% of my AGI (which is about 250K) to be able to dip into my HSA account. DD and I are very healthy (knock on wood) so barring an unexpected event, we'd never spend 25K on med expenses (obviously this is possible with a single hospital stay, and I know that). If I wanted something to help out with copays for a HDHP I'd need an FSA. An HSA is more of a tax shelter. Do I have that right?[/quote]
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