It's enrollment at my work and I'm trying to lower my tax deductions and I was told to enroll into one of these. First off... will this lower to my tax deductions and if so, about how much should I contribute to it? If I go with an HSA account, it looks like I have to choose a higher deductible medical insurance plan, which I'm just not super interested in. With an FSA I don't have to, but I can only roll over $650 to the next year.

I'm thinking of doing the FSA and only putting in $25 per paycheck which would put me at the $600 mark by end of year... so if I don't use it, I can roll it over.