If you participate in the Transocean HSA Plus or HSA Basic, you have a big advantage over the PPO plan when it comes to saving for future healthcare—like taking care of your heart. First, Transocean gives you a little starting support each year— $400 for an individual or $800 for a family in the HSA Plus or $150 for an individual and $300 for a family in the HSA Basic.

That's a nice starting point, but you have the option to contribute up to $7,100 in pre-tax dollars each year. Remember, those funds are all yours to keep from year to year and into retirement. You can even invest the funds to make them grow. It's like having a second 401(k) just for healthcare expenses. What’s even better is you can control your HSA investments in the same place you do your 401(k), through Fidelity on netbenefits.com.

So, if you're maxing out your 401(k) savings or looking for a way to save more for retirement, don't forget you've got a great savings tool with some heart in your HSA.