Health Savings Accounts (HSAs) are a popular and important way many people pay for medical expenses. They are also a great way to save—better, for example, than an IRA or a 401 (k) plan.

The Health Savings Account (HSA) may be the most underrated financial savings vehicle out there. Let’s discuss how you can use them to your advantage.

Health savings accounts, by contrast, are owned by the individual, and therefore are much more precious. Put money in an HSA, and those dollars are rolled over year after year after year.