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I have an HSA. I'm not real keen on the invesment choices (seem expensive) though. Eventually, I'll try to roll it over to Vanguard but for now have "premium pass through" equal to half my deductable being deposited with Chase through my insurer.

To answer the subject question. I carry my HSA off balance sheet (just as I do any unrealized home equity) and thus don't count it as a retirement "asset". It will serve as a cushion. If the balance is large enough by the time I FIRE myself, I may reduce my anticipated annual expenses by the amount of my insurance deductable/max out of pocket since it would be paid for by the off-balance sheet account and wouldn't require any withdrawal. Given that the HSA $ will be relatively inflexible for me for a lot of years (if I retire in my late 30s-early 40s as I hope to do) I do not want to count on it for funding my retirement. Given that the nature of health expenses is relatively unstable (except for chronic conditions) I think it would be silly of me to count on spending from the HSA).

Hopefully, I'll live a healthy life can pull some of the money out to really party it up at my 120th birthday!

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