[lotsofpulp]

If the difference between the premiums for a non HDHP and the HDHP deductible is not too big, I can very well see it being worth it to go HDHP just to take advantage of the triple tax advantage of HSA.

Pay for medical care/medicine with after tax, save the receipts, and let the HSA contribution with pre tax money grow tax free in a Fidelity HSA (since it’s free) and then withdraw it whenever you want, and just pay yourself whenever you need the money.