You can treat your HSA like an individual retirement account, or IRA, for health care. That’s because you can save the money in it and use it for qualified expenses at any time.

According to recent studies, a married couple retiring at age 65 will have around $375,000 in medical costs that Medicare won’t cover.  You save on taxes by putting money in an HSA the help covers those expenses now, and won’t pay taxes when you use the money later for qualified expenses.