 TITLE: What Is a Health Savings Account (HSA)? CONTENT: What Are the Disadvantages of a Health Savings Account?\n-------------------------------------------------------\nWhile an HSA can offer tax advantages, there are downsides to consider as well:\n*   You have to have an HDHP to qualify, which could lead to paying more for medical expenses compared with a low-deductible plan.\n*   If you need to withdraw the money for a non-qualified expense, you could wind up paying a steep 20% tax penalty in addition to income tax liability.\n*   Some HSA providers charge maintenance or transaction fees that can eat into your savings. END