HSA plans are legit and if you have access to one you should look into it. There are few things in retirement that will decimate your finances like unexpected medical expenses. I have seen firsthand the devastation ongoing medical care can have on a families finances and believe me it isn't a picnic. Enter the Health Savings Account. I have provided a pdf for you to take a look at to understand what makes "HSA"s tick. Health Savings Account. Hey, no one is invincible and you have to be prepared.