Good advice- here it's the opposite of what the pp was saying. HSA rolls over and FSA doesn't. My district allows us to choose between a high deductible and a traditional plan. The high deductible plan is cheaper for the district, so they put the difference in our HSA if we choose that one. Right now it's around $110 per month that they put in. We can also contribute pre-tax dollars from our check if we want to. At this point, I never go to the Dr. (other than for preventative stuff, which is covered at 100%), so I don't contribute any extra money. I use the HSA for my contacts yearly and let the rest roll over. I currently have almost $5,000 in there.