That's Billion with a "B". And you'll be surprised at who's opening HSAs!!!
You must take control of your healthcare. You must learn how the healthcare system, how your insurance works, and the advantages of HSAs. Do you have a clue about your benes now?
You'll have an HSA. Either your employer will kick your benes to touch, or you'll wise up, and use a game plan that wins. (See Eng vs Aus, or Fra vs. NZ...amazing how a game plan executed well creates positive results)
Don't close yourself off to this. Don't ignore it.
A Billion Dollars of income tax free money is growing tax-deferred. How much of it is yours?