re: Anybody else using their HSA as a retirement vehicle?

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You max out your HSA and then put it into a retirement account? You aren’t required to use it on medical expenses?

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When you turn 65, the penalty for not using it for medical expenses goes away.

It becomes a non-qualified distribution - which is taxable, but not penalized. That makes it similar to an IRA, etc.

Whereas before age 65, it would be taxable AND penalized.

Many HSAs allow you to invest the balance in a portfolio once you reach a certain value.