HSA is great for self employed, esp. if you think you'll remain so for a long time (and don't require better insurance). Tax free contributions, tax free gains, and tax free withdrawals. I have 10 years worth of maximum contributions in one and have never taken a penny out. You can save healthcare related receipts (which includes things like lasik to cold/flu OTC meds) to pay yourself back as well. Use Fidelity, pick boring index fund with low admin costs (FZROX), and thats it.
Very big fan of these investment vehicles and wish there were more. They work best if you're healthy but still good if you use the doctor sometimes, you'll save money. HSAs, however, prob don't have a place in our system long-term, I predict future universal healthcare/phasing out of private insurance. Funding your own healthcare, with tax benefits, is blasphemy among certain schools of thought and would not funnel money into the bigger pool required for universal, which I disagree with.
Very big fan of these investment vehicles and wish there were more. They work best if you're healthy but still good if you use the doctor sometimes, you'll save money. HSAs, however, prob don't have a place in our system long-term, I predict future universal healthcare/phasing out of private insurance. Funding your own healthcare, with tax benefits, is blasphemy among certain schools of thought and would not funnel money into the bigger pool required for universal, which I disagree with.