I don't have any prescriptions or chronic health issues. My HSA is another several thousand dollars per year of tax free retirement savings (I max out 401k contributions also). Sure, I can only ever use that $ on healthcare, but when I'm older I'm sure I'll use it.
Sure, but that doesn't explain why employers contribute extra to the HSA instead of having salary deductions.
Btw, once you're 65 you can withdraw money for no reason without a penalty, so it's no worse than a traditional IRA. Too bad deposits are taxed in California.
