Max contribution to an HSA is about $6,800/year. I have been putting $600/month into it for three years and have never been able to get more than $6k saved; fa

Max contribution to an HSA is about $6,800/year. I have been putting $600/month into it for three years and have never been able to get more than $6k saved; family of 4 and no dental insurance (employer dropped it). This is the equivalent of a car payment for the rest of my working life.