<prompt> Human: I contributed the maximum to an HSA this year and had no medical expenses. Is there a reason to keep contributing once the value of the account is worth more than my yearly out of pocket maximum?  <response>: Yes there is. An HSA is kind of like a super IRA. If you play your cards right you dont pay tax on contributions, you dont pay tax on earnings, and you dont pay tax on withdraws, which is better than any other kind of retirement account. Ideally you would want an HSA that gives you investment options. To do this though you have to manage the account and your withdraws correctly. First keep contributing as though its a retirement account. Next, anytime you have a qualified medical expense pay for it out of pocket. Keep the receipt in a safe place as that is how you claim reimbursement. Your best bet is to probably make paper and digital copies and store them somewhere. Next sit and vest. There is no timeline to claim reimbursement from your HSA. You could wait 20 years if you want, as long as you have the receipt. So basically whenever youre ready to start making withdraws from the account just pull out your receipts and start making claims. After age 65 I believe an HSA will also function as a 401k, meaning you can make withdraws but you will pay income tax on them. 