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Millions of Americans will soon face the daunting task of choosing health insurance for 2023. If you’re one of them, it pays to be aware of little-known benefits—and some pitfalls—of health savings accounts, known as HSAs.

HSAs are now a key feature of many health-insurance plans, both for employees and individual buyers. There were about 28 million HSAs holding funds as of June 30, 2022 compared with about 17 million in 2017, according to data gathered by Devenir Research. Total funds in them grew to $98 billion at year-end 2021 from $45 billion in 2017.

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