I signed up for an HDHP and HSA when I got my first job because I wanted didn't want a premium deducted from my paycheck (young and short-sighted), turns out it

I signed up for an HDHP and HSA when I got my first job because I wanted didn't want a premium deducted from my paycheck (young and short-sighted), turns out it was one of the best decisions I've made financially. I'm healthy so I haven't had many medical expenses at all, but I've been able to amass a decent health emergency fund through my HSA and "splurge" on certain qualified medical expenses. For instance I got a pair of relatively expensive superscription glasses over the summer paid for through my HSA. I know it's not for everyone, and I'd really like Congress to make an HSA more appealing to lower and middle income folks, but I think an HSA is a solid way to plan for medical expensive if you're in the right demographic.