[Robert A Cook PE]

Oh. And if you “dare ever receive” Medicare or begin Social Security?
Your HSA is frozen.
No more contributions.
Ever.

If you ever dare to die after your spouse passes away?
Your HSA is taxed. Then goes undirected and unassigned into your estate.
(Or, it goes to the state. )

[MayflowerMadam]

I’ve started to draw down the balance in my HSA. Looks like I started at the right time.