A lot of people with FSAs will have insurance that disqualifies having an HSA.

I have the paranoid idea that they designed FSAs in such a goofy way for budget scoring and it drives me nuts.

>A lot of people with FSAs will have insurance that disqualifies having an HSA.

Which should be illegal. It should be only HSA across the board. Its nonsensical that this is a thing.

I'd love an HSA, but I can't due to my plan (can't do a high deductible plan for $reasons).

I think there may be some loophole in setting up an independent HSA but I haven't looked into it enough, only recently heard of such a scheme

FSA is just a 30%-ish discount on medical expenses. It is useful for eye glasses and such. A lot of QoL services qualify for FSA, including weight loss coaches and therapy.

Heck my (prescription) meta ray bans were paid for in part with FSA funds.

The preceding comment was discussing HDHPs, which depend on HSAs.

You think it's obvious that "lesuorac" was scoping their comment to people that have an FSA with an HDHP?

Doesn't read that way to me.

It's obvious in that they specifically referred both to HSAs (not FSAs), and to HDHPs, which depend on HSAs, not FSAs. FSAs are not a kind of HSA.

So, yeah. Little bit.

Which they? The comment I replied to literally says:

"If you have a FSA I strongly suggest that you get an HSA instead."

Did you mean to reply to them?

You are I are both commenting on a subthread started by a comment that included "What you're describing isn't true for people on High Deductible Health Plans, and those plans are a bit of a racket because they're frequently paired with HSAs where [...]", none of which is true. I don't care about FSAs and am not trying to argue with anybody about them, but that preceding comment is very wrong about HSAs and HDHPs.

The post I was replying to originally used the word "FSA" in the locations that they currently use "HSA".

My post does seem a bit weird after their edit but at least one person learned something.