[Consultant32452]

I don't have any prescriptions or chronic health issues. My HSA is another several thousand dollars per year of tax free retirement savings (I max out 401k contributions also). Sure, I can only ever use that $ on healthcare, but when I'm older I'm sure I'll use it.

[astrange]

Sure, but that doesn't explain why employers contribute extra to the HSA instead of having salary deductions.

Btw, once you're 65 you can withdraw money for no reason without a penalty, so it's no worse than a traditional IRA. Too bad deposits are taxed in California.