If pre-tax savings is what you’re looking for, FSA is it.
Also if you do day camp or preschool for your kid, there is also DCFSA. They can pay for certain dependent care expenses with pre-tax savings…daycamp, after/before school care, and preschool, are some of the big ones for kids.
HSA only has four requirements for eligibility, but three of them are “you are covered by an HDHP, no other insurance, and not medicare”
https://apps.irs.gov/app/vita/content/17s/37_04_005.jsp?level=advanced
If pre-tax savings is what you’re looking for, FSA is it.
Also if you do day camp or preschool for your kid, there is also DCFSA. They can pay for certain dependent care expenses with pre-tax savings…daycamp, after/before school care, and preschool, are some of the big ones for kids.