HSA newbie question
OK, I looked through the web, as well as the HSA FAQs here and can't seem to be able to get an answer to a simple question: If you signed up for an HSA insurance plan, do you have to actually get an HSA?
For my situation, the HSA plan is actually the best deal, but I expect to be in a very low tax bracket when I have my individual health insurance, and have not yet decided whether I actually want to fund an HSA (either as an alternative investment vehicle or to actually pay for my medical expenses). It seems like most HSA plans expect you to maintain an HSA, but nowhere can I confirm whether an HSA is required.
I'm specifically looking at the Anthem California Lumenos HSA plan, in case anyone out there has experience with this specific plan.
Thanks a bunch!