Ok. Contribute to hsa from a payroll deduction.
1) income tax deferred
2) FICA exempted
3) no tax on growth
4) pay out of pocket for medical care and save receipts.
4a) take Irs tax deduction if expenses > 10% agi in any given year
5) age 65 or whenever it's grown enough and you need the money - produce the healthcare receipts you've been saving for years and years and pull out the money 100% tax free.(ala Roth IRA) (If not for medical expense, pay as income at current tax rate aka 401k)
So, I count five dips. Can you do 4a and 5 together? Claim medical deduction in year it occurred and also reimburse yourself from the hsa tax free in future years?