"If your employer offers a health savings account (HSA) option as part of its benefits package, don't dismiss it out of hand just because you're not familiar with how they work. After doing a little research, you might discover that an HSA is the way to go.... If you're thinking of adjusting your 2021 HSA contributions for the last few months of this year, note that the 2021 HSA contribution limits are lower than the 2022 amounts."