I max ours, but I use it to pay for expenses as we go, for the time being.
Actually, right now, Im trying to earn miles on my cc, so Im paying for medical expenses with my cc, then reimbursing myself monthly.
This year I have to pay for orthodontics, so...its gonna be rough.
Eventually, I hope to accrue enough balance to be able to invest it rather than using the HSA saviings/debit card approach.
Ideally, Id have enough income to absorb current medical expenses and take a payout later, but that is not feasible right now.
absolutely saving my receipts.