I'm starting to debate this. I've been using an HSA account for eight years and together with maximized contributions, few medical expenses, and some decent investing, I'm about to eclipse $40,000 in the account at the ripe old age of 31. The pre-FICA deduction piece is no longer valuable to me since I'm going over the withholding limit anyways. I also purchase dental insurance, which cuts down on my HSA expenses.
I'm debating dropping my contributions from $5,500/year to $1200.
We're also already maximizing all other available tax preferred retirement accounts, but need to build more liquid savings to walk away from work before we hit 40.
Any opinions on this idea?