Funding the HSA...um, you don't have to, but...

You don't have to pay your dues to the Rugby Club. You can hope that you still get to play, maybe you'll have to line the pitch, or take out the post-match trash.

Or, you won't get to play. As it should be...

HSAs. Health Savings Accounts. If you have an HSA qualified plan, you don't have to fund the HSA.

You can hope you don't get hurt, maybe you buy a supplemental plan to cover injuries, or you'll go into debt by charging your deductible and coinsurance onto a credit card.

Or, You won't get the tax advantages. You won't be fully insured.

And, therefore, you won't get to play. As it should be...