Another option is to only rely on them both, but in various ways. "You could imagine 1, 'This is my forced discounts account,' and think of another as 'This really is my reimbursement account,'" Roy Ramthun, who led the Treasury Division's implementation of HSAs right after Congress made them in https://financecoaching62604.blogolize.com/an-unbiased-view-of-finance-coaching-58531194