Incidentally, if you have an HSA account and can still afford to pay out of pocket, that basically allows your HSA money to continue to accrue over time. (From

Incidentally, if you have an HSA account and can still afford to pay out of pocket, that basically allows your HSA money to continue to accrue over time. (From http://en.wikipedia.org/wiki/Health_savings_account http://en.wikipedia.org/wiki/Health_savings_account): "There is no deadline for self-reimbursements of qualified medical expenses. High-income individuals can take advantage of this by paying for medical costs out of pocket, retaining receipts and allowing their accounts to grow tax-free. Money can then be withdrawn years later for any reason, up to the value of the receipts. [23]"