You likely want all tax deductions available to you.

The health savings account (HSA) gained popularity because you can claim a tax deduction for the money you put into the HSA, without itemizing deductions. In addition, that money grows, tax-deferred, while held in the HSA.

The general rule is that you cannot have an HSA if you are covered by a Section 105 medical reimbursement plan, a healthcare flexible spending account (FSA) plan, or a health reimbursement arrangement (HRA).

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