I have an HSA as well. It seems like a great choice to me. Why? I'm in my 20's and haven't had any major health problems, but don't want some random disaster t

I have an HSA as well. It seems like a great choice to me. Why? I'm in my 20's and haven't had any major health problems, but don't want some random disaster to wipe out my consulting business. I also pay really high taxes on my profits, like to save money, and enjoy buying stocks. With an HSA, I can put away ~$2,700 a year for health expenses, and that money isn't taxed. I pay Aetna $62 a month, which is $744 a year. How much would I have been taxed on the $2,700 I put away? Probably $700-800 dollars. So it has the benefits of a traditional IRA. While the money is in my HSA, I can make some conservative investments such as buying an ETF that tracks the S&P 500 or if I want more growth, maybe invest in the BRIC's (Brazil/Russia/India/China) or some tech stocks. That money can grow tax free and is reserved in case of emergency. What if I live a perfectly healthy life and nothing happens? Well, I can withdraw all of that money tax-free when I'm 59.5 (yes that's a long way off). So it has the benefits of a Roth IRA as well. If you don't have many health problems and have a few thousand in earnings that you can put away each year, I think it's a great deal.