You should remember that is it easy to confused yourself with the difference between defined-contribution plans and health savings accounts (HSA). This confusion may stem from the fact that defined-contribution plans also go by the name health reimbursement accounts (HRA).
HRAs are defined-contribution health plans that do not have the same legal restrictions as HSAs. HSAs are a special kind of tax-deductible savings account that you should only use to pay for health care expenses. In fact, the ACA places an annual cap on the maximum amount individuals can deposit into an HSA.