If you can use your HSA as another investment account instead. Unless it is a major medical expense do not worry about using your HSA for things like bandages, first aid kits or other small purchases. The only time I plan on using my HSA if I have to incur a major medical bill. Thankfully I (along with my wife and kid) have not and honestly I have no determined a dollar threshold where I would dip into it if we were to incur one, I guess it will be a situation where we will know if it happens.