I've saved for about a decade, always maxing out my HSA. I've got about $15k in HSA investments, $1800 available. It was super helpful when my wife had hip surgery last year, although my frustration was that the doctor and hospital wanted us to prepay for the surgery, then submit to insurance for reimbursement. If we used HSA funds but then received a check back, that seems like it would violate IRS rules. So we wound up having to put some of the procedure on a credit card. I wish my district contributed more to our plan than $1k annually, but on the whole I like the concept. I just feel like we have a crappy plan when I hear friends elsewhere with plans with low co-pays, no co-pays, or 100% of costs covered by their employer. Each year we have to pay more for our insurance, more towards our pension (now 12.41%), don't get a COLA, and rarely get a pay raise. It'll be scary to see how much less take-home pay we have in the 2022-23 school year.