MURDOC1 wrote:I figure I have another 30 years of working till retirement and if an HSA is still around all that time I could have some serious coin saved up for medical expenses in my golden years
Don't forget that, if the HSA rules remain the same for your next 30 years, you would also be able to treat the money like a 401(k). That is, at age 65 you could take it out for ANY reason, not just for medical expenses. For non-medical withdrawals you would pay normal income tax but no penalty. For medical withdrawals you pay no tax. But will the rules stay the same? 30 years is a long time.