There's a rich history of FCS (and I-AA) schools upsetting FBS or I-A teams. Since NCAA Division I football was divided into I-A and I-AA for the 1978 season, there have been some monumental upsets.
HSAs offer triple tax advantages and rollover options but have high out-of-pocket costs. PPO plans have lower out-of-pocket expenses and easier specialist access, but higher premiums. Choose HSA if ...