How do I understand HSAs, HDHPs, and networks?

You have made real progress, you can weigh premiums against deductibles, which is more than many people manage. The alphabet soup, HSAs, HDHPs, and networks, still confuses you because each is a small system with its own rules, and no one ever explains them plainly. The confusion is the fault of the jargon, not your intelligence. Here is the plain version. An HDHP is a plan with a high deductible, meaning you pay more upfront before coverage kicks in, but lower monthly cost. An HSA is a savings account that pairs with it, letting you set aside untaxed money for medical costs. A network is simply the list of doctors your plan covers fully; go outside it and you pay more. That is most of it. Pick just one of these to fully understand this week, say, the HSA, and read one plain-language explainer on it until it clicks. Learn them one at a time, and the soup turns back into words you can actually use to choose.