Last year you could contribute up to $5,500 each to an IRA, and this year it's $6,000 each. Although between you and your spouse you contributed $9,000 last year ($4,500 each), you could have contributed a combined $11,000. And this year you can contribute up to $12,000 combined. (Either spouse can be working, as long as your total income exceeds your total contributions to your IRAs).
With an HSA, you can make withdrawals for medical expenses and never pay tax on the money: You contribute pre-tax dollars (deductible contributions), and you aren't taxed when you pay for a medical expense. After age 65, you can withdraw money for any reason and pay taxes (before age 65, you also pay a penalty).
Traditional IRAs are similar: a penalty before age 65, and taxable withdrawals at age 65. There's no skipping taxes with medical expenses, but you can convert to a Roth IRA. If you time that right, you could fill up the 10% or 12% tax bracket with a Roth conversion, and tax this money at 10-12% (maybe slightly less if you have room in your standard deduction).
One additional idea, though: do you have enough stock investments? Dividends from stock funds (like VTSAX, Vanguard Total Stock Market) are taxed at a lower rate. So are sales of stock that has been held 366 days or more. If you're in the 12% ordinary income tax bracket, you're also in the 0% long-term capital gains / dividends bracket. So if instead of ordinary income, you got dividends, you'd pay 0% instead of 12%. Stocks are more risky than whatever is giving you interest income, but it's worth considering if you don't have enough invested in equities. Maybe consider buying some index funds in a taxable brokerage account, if it fits with your savings goals / retirement plans.