I pay for all medical expenses out of pocket with after-tax dollars. My HSA is just a triple-tax-advantaged "IRA" at this point. I keep all receipts for medical expenses going back years, and I can technically go "reimburse" myself out of my HSA any time I want to with tax free dollars. After age 65 it turns into a normal IRA and you can pull out money for any reason.

Here's a good primer on HSA strategy:

https://www.whitecoatinvestor.com/re...e-stealth-ira/