Isn't that simply treating it as an IRA? I know there are differences later on, but...I use mine for medical expenses so that I can reduce my taxes relative to actual medical costs. I guess if one has maxed out other tax vehicles the HSA would be another tool to use, but if not then I'd do that first.
With a Roth IRA, the contributions are taxed. With an HSA, they are not. With a Roth, you can take out your contributions any time, tax free. With an HSA, you can take out your medical expenses at any time. In the meantime, however, they go in tax free, grow tax free and then come out tax free. With trad IRA, withdrawals are taxed.
I guess the question is whether you think you'll want that money before whatever the age is when you can withdraw it for anything and you think you won't have any medical bills that you'll be able to reimburse.
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