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To be fair, everyone’s personal circumstances (health, plans, prescriptions, family size) will vary, but I thought there might be value in me laying out how the move played out for me because I know a lot of young and relatively healthy folks are interested in this topic, and many have fear of moving from a PPO or HMO to a HDHP.In a good year (one with few medical expenses), as I’ll highlight, it can pay off to make the move.When you leave an employer, you can take that HSA with you and use it to pay for medical expenses, regardless of whatever new plan you switch to.For this reason, I consider an HSA to be a huge bonus for anyone who entertains ideas of self-employment or retirement.

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