Which of the following decisions would a Health Saving Account (HSA) owner NOT be able to make?

The decision regarding the amount contributed by the employer is not within the control of the Health Savings Account (HSA) owner. The employer determines their contribution based on company policy and the specific provisions of the HSA program. While employees can make their own contributions to the HSA, the employer's contributions are established per the employer's discretion and applicable regulations, and the HSA owner cannot influence or change this aspect.

On the other hand, HSA owners have the flexibility to make decisions regarding their investments for retirement, which allows them to potentially grow their savings. They also have control over the withdrawal amount for qualified medical expenses, letting them dictate how much they withdraw as needed for healthcare-related costs. Furthermore, they can choose from a variety of health plans, deciding which plan best meets their healthcare needs while ensuring it is compatible with HSA eligibility. Thus, while there are numerous flexible choices available to HSA owners, the specific contributions made by employers are not one of them.