&gt;  You have to admit, it&#x27;s a fucked up system when your employer is basically paying you not to use your insurance.<p>That&#x27;s not what an HSA plan is.<p>I&#x27;m not OP, but OP&#x27;s situation is pretty common, and it&#x27;s more equivalent to employers offering 401(k) matching. They deposit a certain amount of money each month into your HSA account, though by law, you can only have an HSA account if you&#x27;re on a high-deductible plan.<p>Generally, the only employers who offer this are the ones who have the money to offer very attractive benefits (ie, tech companies). This usually includes covering part or all of employees&#x27; premiums, so their employees usually don&#x27;t pick the government-mandated HMO plan option (it ends up not being any cheaper for them to choose the more restrictive plan).