wildcat, great idea for someone who has not touched that money in years. Sounds like you have created a savings account for emergency purposes. If you don't need the money for medical expenses - there is no reason to create an HCSA.
With the HCSA you have the full amount (which you determine each year) available on Jan 1st but, the payments are spread out over the entire year. Great if you have some big expenses planned early in the year. Also, medical expenses are only tax deductible once you reach a certain threshold (I think it something like 7% of your adjusted gross income). The money put into the HCSA is pretax and reduces your taxable income. The only downside to the HCSA is if you don't spend all you put into it for a year, it disappears
To each his own - but for many the HCSA actually saves more in taxes than they would ever earn in interest (unless you can find somewhere that is paying above 15%
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