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> you can use HSA savings to pay for premiums.

This is not true, as far as I know. I'd consult a CPA for an authoritative answer, but from https://www.healthcare.gov/glossary/health-savings-account-h...

> HSA funds generally may not be used to pay premiums.

Good to note, this may have changed then. It was okay last time I did it.

HRAs on the other hand are a good vehicle for this.

EDIT: Ah, there is indeed an exception for continuation of coverage under COBRA which makes it acceptable to do so: https://dpath.com/hsa-and-cobra/

Awesome, thanks for digging that up! My bad.