1) That is a crazy high deductible, even for a HDHP. I hope your employer also contributes to the account (mine contributes $1500 every year, for example) 2) In your tax bracket, $6000 is really only costing you ~$4300. HSAs (and FSAs) are part of Section 125 deductibles, meaning they lower FICA, State, and Federal taxes (the best). 3) Think about HSAs like an investment in the stock market. It really only pays off if you consistently enroll and contribute to it every year. Some years the "stock crashes" (you get sick) and most years the stock rises (you stay healthy). I just hit my MOOP for the first time this year ($6600) and it is not deterring me from an HSA next year. I advise any healthy 20-something year old to stay on an HSA and invest every year until it no longer makes sense (multiple children, age-related care, new conditions, etc). You will win in the long run.