I treat my HSA as a long-term investment, and plan to cover non-catastrophic medical expenses out of pocket, saving receipts for later reimbursement.
Because of the tax-free nature of the account, I put high-growth and highly taxable holdings in this account. For me that is 60% stocks (SPTM, SPSM, getting back into VNQ) and 40% gold (GLDM).