About to see how good my health insurance is

[graylocks]

M A V I C wrote:
You had the cash in your HSA? I don't use a HSA because we would rarely use it, and if you don't, you lose it.

i think you're confusing an HSA with the FSA (flexible spending account). FSA are use it or lose it. HSA are not. you can build it up as high as you want for as long as you want and it's always there for medical expenses.