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I un-retired a couple of years back and returned to work full time. My current employer will be offering health insurance plans with HSAs next year.

Employees are able to make Federal (and usually state) tax-free contributions to the HSA which can be used for qualified medical expenses and that money can rollover from year to year. So what I am thinking of is treating the HSA as a retirement investment vehicle. From a tax perspective, I thinking this is even better than 401ks which are only tax-deferred.

I already save the max per year in my 401k. So using an HSA to further reduce my taxable income and boost my nest egg sounds good to me.

The only pitfalls I can see:

- If retirement finds me superhealthy, then I might not be able to spend all of that HSA money. In that case, it would go to my heirs. ,

- The HSA fund investment options are limited to what the HSA plan adminstrator allows.

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