Agree, and I acknowledged that. However, a lot of healthcare spending is/can be tax deductible. Premiums for sure, and other expenses can be paid out of an FSA if you’re on a PPO plan. Sure, there are tons of benefits to an HSA (no use it or lose it, investment options, etc.) but the short term tax benefits of an HSA aren’t all that different from an FSA if you’re just comparing annual medical costs and not using it as a vehicle for longer term savings.

Don’t get me wrong - I LOVE my HSA and max it every year. Having a big fat account built up during my younger years really cushioned the years I was pregnant and/or my kids had ER visits.