There are different savings accounts you might have access to that offer different tax benefits. But there's perhaps no single account that offers more of those than HSAs, or health savings accounts.

With an HSA, your contributions are made on a pre-tax basis, allowing you to shield some income from the IRS. You can then invest your HSA funds, and gains aren't subject to taxes. HSA withdrawals are also tax-free when used to cover qualified medical expenses.

But to really make the most of an HSA, it's important to steer clear of mistakes that have the potential to trip savers up. Here are three to avoid this year.

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Source Fool.com