(Image credit: Getty Images) Question : Our new health plan is HSA-compatible. I know these accounts are great to have in retirement, but it seems like such a hassle. We are not the most organized couple and I worry we won't use it all. Is it worth it? Answer : High-deductible health insurance plans can be wonderful for people who are generally healthy and don't tend to see the doctor often. For people who tend to have frequent medical needs, they can be expensive. But there's a silver lining. If you're enrolled in a high-deductible health insurance plan, you may be eligible to contribute to a health savings account , or HSA. And many financial experts are quick to point out that HSAs are a great tool to have on hand for retirement. From just $107.88 $24.99 for Kiplinger Personal Finance Become a smarter, better informed investor.…