I am on the Diamond right now, and have a bit stashed up... but if I ever left Spirit, all of that goes poof. - it's not mine to begin with.

With the HSA, i can take that with me if I ever left Spirit or if i medical out0000.

Do you do your own contribution in addition to what Spirit contributes? and is your contribution limited by Spirit's contribution?
in other words can you contribute $7300 to the HSA if Spirit contributes $2000 - or are you limited to $5300 + Spirit's $2000?

And then you play investment broker with the HSA balance above $2000?