[ptero]

I disagree, but upvoted as I do not think you should be downvoted for your opinion. My objections:

First, all employers are different; some provide a big portion of the funding.

Even if not, HSAs can bring huge benefits if executed right. They are a triple tax-free account: pre-tax deposits, tax-free growth, non-taxable distributions. So a healthy high earner who maxes his HSA contributions for several early-career years can come out far ahead. Or a well-off family that can treat it as yet-another tax-advantaged savings vehicle.

But to reap big benefits HSAs have to be planned and executed over many years and impose some limitations, such as on using FSAs. For someone who is not sure they can diligently follow the strategy over many years, HSAs can be a big headache with limited utility. My 2c.