No what I said was that there's no value even having a FSA until you cap your HSA. An FSA is worse than a HSA by every metric, cannot invest it, lose it after twelve months, many lack a debit card (or charge), cannot increase or decrease it after open enrollments and so on.
I get a HDHP, put the savings from not paying high premiums into HSA. The problem with california is, this is treated as income, and capital gains/interests/dividends trigger income either way. Not that it'd matter, but i see your point about FSA coming after from HSA. IT's fair.
