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There is no answer -- I saw that years ago. You just try to game the system the best you can.
The game is always changing. Like this Trumplican Dontcare crap -- I will need to come up with $16K in 2018 if this shit is enacted to stay in the game. In the end it will cost $500- $2,400 more the first year. Fortunately, in 2019 I can roll that money over x2 in the end I can use pretax money to pay for insurance -- for argument's sake 60% is out of my pocket and 40% the government's pocket they will eat fed/state tax revenue reductions. The Net Result is $4,000 tax credit + $6,400 HSA*40% tax revenue (fed/state) loss as the new law will allow premium payments from the HSA so I win -- but it's complicated and you need to have the front money to do it -- that is unfair.
Welcome the the Trumplican world where the rich get richer ...
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