I meet my annual family deductible ($7,900) each year. I’ve always maxed out my HSA and used it to cover the costs, which means I perpetually have a near-zero balance in the account. Should I (cont)

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In the very least, you should use a credit card that pays cash back or reward points to pay the bill, and then use your HSA to reimburse yourself. Make sure you keep receipts, just in case. There's no reason not to collect bonus points on those medical expenses, as long as you pay them off and do not accumulate debt over them.

Personally, I can afford to pay medical expenses without dipping into the HSA at all, so I am letting mine grow. I think it just depends on whether you have enough to cover the costs or not. Medical expenses in retirement are inevitable, so that HSA, which has grown over time, will sure come in handy one day.

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Right now, it's in a single Vanguard S&P500 index fund. Keeps it simple and I don't really need to pay attention to it.

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(cont) pay the deductible out of pocket instead, and leave my HSA to grow tax free until retirement? It’ll be a significant reduction in current cash flow, but it will result in a sizable sum of money to cover medical costs in my golden years. It’s a financial decision that has never occurred to me until now so wanted to get y’all’s thoughts and ask what you do.

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Makes sense to me, at least for a few years to build up the balance in case you need it for something (god forbid)

I personally would just use the HSA for medical expenses. You can invest the tax savings elsewhere.

I’m familiar with MF but no, not a reader though I do RSS a number of ‘FIRE’ things to my news reader.

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