Topic
Use it or lose it scares people into electing too little, or nothing at all. The fix is a number you already have, last year's predictable bills, plus one rule that makes the account more useful than it looks.
The cheapest premium and the cheapest plan are almost never the same thing. Add the premium, the deductible and the out of pocket maximum for each option and the comparison stops being a guess.
Money goes in untaxed, grows untaxed and comes out untaxed for medical costs, which no other account in America does. Then almost everybody leaves it in cash and spends it on this year's dentist.
Compound, weekly
What the thing is, what it costs, and the sums worked out in full so you can check them. Free, no affiliate links, and you can leave in a click.
The form is not connected yet, so no address is sent or stored. What the letter covers