HSAs in general are not a terrible idea; but they have created some scenarios (like OP&#x27;s) that are pretty counter-intuitive. But HSAs are basically &quot;small insurance&quot; - if you max out your HSA on a high-deductible plan, you probably will never use your insurance. So you&#x27;re paying for most normal medical expenses out of pocket, and your insurance plan is basically a backstop for if you get cancer, have an accident, etc.<p>Overall though, health care should not be tied to your employment.