Health Savings Account

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I'm 25, single, and healthy.

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Unless you plan on contributing a lot, then I don't think they are worth it.

If you're single and healthy I don't really see the need to dedicate money toward health expenses. I had one at one point where I put a little in and the company put a little in and the "monthly account maintenance fee" was more than if I had just paid taxes on it.

There was a 10k balance limit to avoid the fees and as a healthy adult I wasn't going to set 10k aside for health expenses.

I have one through my employer and the premium is about 120 dollars less a month, compared to traditional plan, as well they contribute 2,000 dollars a year into my account.

The benefit is also on the tax savings side, $100 spent on out of pocket healthcare cost is $100. On traditional pans your 100 dollars was taxed before hand

For years, being self employed meant I had crappy health insurance - with deductibles up to $6,500. For years we'd always fall just short of our deductible, so we were spending $5-6K out of pocket on medical expenses. An HSA was great for me. We set ours up through State Farm. Most years we'd just pay the medical bills out of my normal checking account - then when we'd have a large health care expense or a chunk of cash sitting around, we'd put it in the HSA and just write a check back to ourselves to reimburse the medical expenses.

Like others have said, just think about it as forced/disciplined savings.
I'm single and 26 and I contribute $50/month.
It all adds up...