Although the annual max contribution allowed to an HSA is relatively low, I believe it is one of the best places you can place your money, presuming you can invest it (and many HSA plans allow for that).
The HSA is one of the precious few, truly tax-free buckets in the US. You don't pay tax up front, and you don't pay tax on principal or gains when you eventually withdraw for any health related expense.
If you remain in good health and don't deplete your balance, you even get to start pulling funds out in (traditional) retirement for non-medical reasons albeit at a normal 401k type withdrawal tax. There are many creative advantages of the HSA though, like paying out of pocket (non HSA) for your health expenses along the way, and eventually (within 20 years) withdrawing an equivalent amount from your HSA (with capital gains untaxed!) later on. See this link.
http://www.forbes.com/sites/financialfinesse/2012/01/10/how-hsas-can-help-make-you-healthy-and-wealthy/The only risk lies in potential poor health draining it. But if you end up in poor health, you have greater issues and high expenses anyway...and/or you probably paid more for a traditional plan along the way...
Even with 0 company match, try to make your maximum HSA contributions every year (after taking advantage of all other company matches of course)
