Here's one from the grab bag that if it sounds like something that applies to you, we recommend you go do a little bit of research (talk to your insurance agent).

One pretty smart way to give yourself some added coverage for specific health issues is to look at supplemental plans that will pay for things regardless of if you have hit your HDHP deductible. One form of these are Mini Med Plans, which can cover a range of things from help with hospital stays, to ambulance rides, to doctor's visits.

For certain types of events, these plans can live harmoniously with HDHPS and HSAs, but there are some plans that could actually disqualify your ability to contribute to your HSA. That would be a wicked bad day and should be avoided.

If your insurance agent is well informed about Health Savings Accounts, they can steer you toward the good stuff and away from the bad.

This might be a good forum topic for the forum on this site. Feel free to get some discussion going. Click here for the shortcut.