I've had HSA qualified health ins. ever since it has been available, right up till I started Medicare @ 65, I always contributed max to the HSA, still using it. The plans I had, max out of pocket/yr was never more than max contribution to HSA, just got to shop around, but being single does give you more options than family plans. Now, I have a Generations Advantage plan, so good so far, I go under the knife next month to replace a battery