HSA vs 401k Which One Actually Gives You More

I think personally HSAs are better than 401s, and I'll tell you why. For these, a lot of people associate high deductible health plans with HSA, which is health savings accounts. These plans do not have copays, right? So, to make high deductible plans HSA qualified, they cannot have first-dollar benefits. So, this is where the member is going to pay the deductible, and then once they meet the deductible, they'll be in coinsurance, maximum out-of-pocket. But if there's a deductible before copays, it can be an HSA-qualified plan. Your members going to the doctor, they don't have a $25 copay. They may get a $125 bill, $150 bill that they've got to come up with that $150 cash versus a copay. So, HSA funding is something that typically will be bundled with a high deductible where the employer is gonna say, "Hey, we're gonna do an HSA plan and we're gonna fund it for you. We're gonna give you this money. These are the benchmarks." Basically, you're gonna give the employee $750 annually. That's on a 12-month period, and they're gonna be able to use that money for medical expenses, or what HSA was meant for is to save that money. And the goal would be this: for HSA, if you can do it, save the money until you get to be retirement, 65, and you've got a nest egg of money saved up. I think personally HSAs are better than 401s because you're gonna be able to deduct the money tax-free, you're gonna be able to invest the money within the HSA, and your investment is gonna earn money tax-free, and then you're gonna be able to withdraw it, and if you use it for qualified medical, you're gonna withdraw it tax-free, right? So 401 is basically the same, but when you withdraw it, you're gonna pay taxes. In this, you're gonna be able to withdraw it, pay medical bills tax-free. So it's kind of a triple threat.