It sounds like you're afraid you'll never use that much money for medical expenses? First, hah! Second, even if you don't, once you're 65 you can withdraw from the HSA for any reason and pay tax, but no penalty, which makes it basically the same a traditional IRA, so still not a bad deal. It's actually likely better than an IRA if you can contribute through payroll deduction because that also gets you a FICA tax deduction.