Are HSA's the kind of thing you need to opt-into during the enrollment window, or you've missed the opportunity till next year? Never used one before, but it might make sense this year.
HSA != FSA. The former is a savings/investment account that lets you keep your money year over year, to be used for medical expenses. FSA's are use-it-or-lose it. HSA's are typically paired with a particular type of high-deductible insurance, while FSA's tend to go along with any type of plan.