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RE: Flexible vs. Health Savings Accounts
HSAs can also be invested if your contributions accrue to a high enough level.
A former coworker kept maxing his out and investing it. When he had kids everything was covered and he was financially set for many years after. Definitely worth investing in if you have the option. Even if you dont want kids, an HSA can serve as a great emergency fund if you get hurt.
That is a good point. Funds deposited into an HSA can be invested similar to a retirement account.