Reply to Tell me how you use your HSA?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]We do not touch ours. It is a retirement tool for later use. All is invested.

Family of 4, two boys in sports. Have had our share of er visits. Still ends up cheaper than paying the high premiums for the no deductible plans.[/quote]

Do you have a separate medical expense fund? Or do you just pull from emergency savings? Or have the expenses been minimal enough that it hasn't registered as an issue and you just use banking/credit?

I'm wondering for those who invest and don't touch the HSA, what do you use as your medical expense safety pot?[/quote]

NP here. We bank all the HSA money. We just pay medical expenses out of pocket and count the HSA as part of savings. Money is fungible so it doesn't come from separate pots. Despite being called a high deductible plan the deductible has actually dropped each year over the last 3 so it's not that hard to hit it. Used to be $5000, now is $3000. We've hit out OOP max ($13k) a couple of times in the last 5 years and considered using the HSA for that but ultimately didn't need to.[/quote]

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