“Many HSA policy holders leave the money in the account, contribute the maximum allowed every year, and then don’t use it at all, preferring to let it grow tax-deferred to age 65. Once you have reached age 65, the HSA functions like an IRA you can withdraw the money at any time for any reason, paying only normal income tax. The interest on an HSA is not taxable unless the money is spent on non-medical expenses; then you will pay tax on the distribution.”
from
http://www.arizonalifelines.com/article5.html
humm didn’t know this...may reconsider...thanks for the information!