[dragonwriter]

HSAs are, by legal requirement, only available if you are enrolled in a High-Deductible Health Plan [1], which is insurance and does pay for something, though (as the name suggests) it has a very high annual deductible (for which the HSA is used).

So if you have an HSA, you do, in fact, have insurance.

[1] http://en.wikipedia.org/wiki/Health_savings_account

[lotharbot]

or you might have an HSA left over from when you used to have insurance. (FSAs expire at the end of the year, but HSAs are permanent.)