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

I did the math when I was shopping plans. By my numbers, everything has to be perfect. I would have to be making high 6 figures at the least every single year, and have an expected rate of return of 10% each year. Otherwise, you save considerable amounts of money with a non HSA plan.

The point of an HSA plan is to no use the money for medical expenses. It is meant to be used as a pre-tax retirement account. If you have to spend the money out of it, you are wasting money.

I ran the numbers on non HSA plans. The amount of money each month for basically protection against the hospital ripping you off is ridiculous. I decided to go with Medishare. But thats a whole different topic I guess.