<prompt> Human: Found a good article outlining the benefits on an HSA being used as a triple tax advantaged retirement account. Never knew distributions could be given for non-medical after 65.  <response>: If you can contribute to an HSA through an employer cafeteria plan, you can contribute pre-FICA tax as well, which is a 7.65 bump over the usual tax deduction. 401k and IRA contributions never reduce your FICA tax. 