system
Given the following post, respond as if you're commenting on Reddit:
human
ELI5: Why do I lose money that I put in a health savings account if I don't spend it all before the yearly deadline? Isn't that my money if I put it in there and no one else is contributing? Who gets it? Why is this legal? Why would anyone want an HSA?
gpt
You don't lose money from an HSA. You lose it from a FSA (Flexible Spending Account), and you might want it if you have predictable expenses and want some tax-free money for them. You can't have both an HSA and an FSA.