But as we were discussing above, it is suspicious if your employer does not offer an HSA option. If your employer doesn't offer an HSA, you should research if the High Deductible Health Plan actually does qualify for an HSA, or if there is something about it that would disqualify the HSA.
As a side note, you can still USE the funds that are already in your existing HSA, even if you have an FSA. But you just can't contribute more funds to the HSA because of the FSA (assuming the FSA isn't a "limited" one, such as only for dental and vision).
