And I have enough savings to pull this off for decades should it come to that.
Granted if one gets so sick so as to max out the deductible every year consistently, one's life expectancy is probably not that long
If one stays healthy, unused money in the HSA becomes the equivalent of an IRA and can be used for nonhealth-related expenses after a certain age (I forget whether it's 59.5 or slightly higher).
I actually opted out of my employee plan when I was working in order to get in on this for the tax deduction. (My employer wasn't offering HSA eligible plans.)
Granted if one gets so sick so as to max out the deductible every year consistently, one's life expectancy is probably not that long
If one stays healthy, unused money in the HSA becomes the equivalent of an IRA and can be used for nonhealth-related expenses after a certain age (I forget whether it's 59.5 or slightly higher).
I actually opted out of my employee plan when I was working in order to get in on this for the tax deduction. (My employer wasn't offering HSA eligible plans.)