<prompt> Human: Posted this a little while back, but didnt get traction. Due to a recent retirement post blowing up today, I thought Id try again!! First, heres the article written by The Mad Fientiest cuz you should always go to the source!. Good dude, btw. HSA - Health Savings Account!Q: What is it? A: An HSA is a tax-advantaged savings account available for people who are enrolled in a high-deductible health insurance plan.Q: Why is it so great? A: The HSA is billed as a savings account for health expenses but its really the Clark Kent of retirement accounts because its actually a super IRA in disguise.Q: And why is that? The Clark Kent thing...A: Well, Johnny, HSA account holders can contribute pre-tax dollars to the account and can then withdraw money from the account, tax free, when paying for qualified medical expenses.Q: So... I have to get sick or break my neck to withdraw?A: No Johnny, dont be silly. Q: Well you didnt bold the part about qualified medical expenses! What if I put all this money into my HSA but I dont have any health issues... how will I ever get my money out?A: Great question! And the one weve been waiting for! In this case, the account will simply act like a Traditional IRA with an increased distribution age 65 instead of 59.5 for a Traditional IRA.Like a Traditional IRA, your contributions to the HSA are pre-tax contributions and your contributions are allowed to grow tax free. If you dont use your HSA funds for medical expenses, you can begin withdrawing money from your HSA account for any expenses after you turn 65, without penalty. Youll have to pay income tax on any distributions that arent for qualified medical expenses, just like you would with a Traditional IRA, but you wont incur any additional penalties or fees.Therefore, after the age of 65, an HSA is nearly identical to a Traditional IRA but its still better because your withdrawals for medical expenses are still completely tax free!And if you ever DO get sick or have surprise medical bills, thats what this is for in the first place!So if youre young and restless... HSA!Thoughts, comments, concerns... class?TL;DR: After the age of 65, an HSA is nearly identical to a Traditional IRA but its still better because your withdrawals for medical expenses are still completely tax free!EDIT: This list of qualified medical expenses from usimplythereEDIT2: Qualifying for HSAEDIT3: What Vanguard says thanks to udstr15EDIT4: List of states that tax HSAsthose who dont thanks to ugarf22EDIT5: This site to compare HSA administrators thanks to uRookwoodEDIT6: Not all HDHPs are HSA compatibleEDIT7: HealthSavings Admin fees thanks to uzhenya00  <response>: HSAs also dont have required minimum distributions which can be pretty handy for some people. 