For these kinds of relatively low-cost interactions, the HSA is even more of the same problem as health insurance: It's for people who find paperwork to be a fu

For these kinds of relatively low-cost interactions, the HSA is even more of the same problem as health insurance: It's for people who find paperwork to be a fun hobby. Just tell me how much money I owe you and let me pay. When I find myself at a clinic, I tell them I don't want to use health insurance to pay. They just give me a bill and I give them money.