Listen to dmertz - having an HSA is a huge benefit. If your marginal tax rate is 15%, then it is like you getting a 15% discount on every out-of-pocket payment that you make ("such as co-pays, deductibles and medically necessary procedures or prescription drugs that your insurance does not cover"), because you pay the out-of-pocket expenses from your HSA which is tax-free.
This is a much better deal than trying to deduct medical expenses on Schedule A as an itemized deduction.
Yes, because your dentist doesn't bill the insurance first, you have to go through this 4-step process I listed above - but it's better than not getting the 15% discount.
