I didn't know they were available. I thought it could be open to everyone, but employer ones do have advantages. https://www.fidelity.com/go/hsa/why-hsa https:

I didn't know they were available. I thought it could be open to everyone, but employer ones do have advantages. https://www.fidelity.com/go/hsa/why-hsa https://www.fidelity.com/go/hsa/why-hsa > You could also use it in place of an employer HSA. If you do this, you may miss out on opportunities like pre-tax payroll or employer contributions, so check with your employer to see what they offer.