I thought the whole point of an HSA was to be used as a tax shelter. I didn't get one because it seemed way too complicated and also I don't make nearly enough

I thought the whole point of an HSA was to be used as a tax shelter. I didn't get one because it seemed way too complicated and also I don't make nearly enough money to set aside money in an HSA but that's what I remember when looking up on it a little. I think you're not supposed to use it actually for healthcare, at least not in your young age.