The great thing about an HSA is that you put money in before taxes and as long as you use it for qualified healthcare expenses, it is not taxed when you withdraw it. It doesn't matter when you incur these expenses, now or 20+ years from now. It's my understanding that, if you keep good records, you can pay out of pocket for medical expenses now but submit claims and withdraw the money from your HSA for those expenses 20+ years from now if want (still tax free).

Once you reach the age were you can access your IRA's, it can used as described above or be treated exactly like a traditional IRA. When money is withdrawn for non-medical expenses, you will be taxed on it at your normal rate.

It seems to me to be one of the last good deals out there.

Denny