This isn't a comedic thing so much as a sad thing, but it's a coworker, so it goes here.
I have a coworker, married with three small kids, whose family has had a lot of health issues and hospital visits this year. They keep getting turned away from Urgent Care and sent to the Emergency room for some reason, for things I feel like Urgent Care should really be able to handle.
The problem is, they signed up for our HDHP for 2018, but DIDN'T OPEN AN HSA. I just found this out during our open enrollment meeting this week.
Our company contributes $2000 over the course of the year to your HSA if you have a family plan, regardless of if you add any money yourself. TWO THOUSAND DOLLARS!!!!!!!! I think they didn't realize that they had to go through the paperwork and open an account to get the money, so they've been paying full (maybe insurance discounted) price for multiple ER visits, at least one hospital admission, and a bunch of other small chronic things, without using any tax advantaged funds or free money from our employer. I feel so bad. If I'd known they didn't have an HSA opened earlier in the year, I could have told them to open one and helped them with it. You're allowed to change or update your contribution amount at any time, and it would have helped them SO much to get that extra money.