The HSA is one of my favorite saving vehicles:
1. Max it out.
2. Pay for all medical expenses (if possible) out of pocket. There's no statute of limitations on when you can reimburse yourself so just file them at home and claim it as tax free distributions when you retire or at some year when you want to tap into it. This allow the money to keep compounding.
3. It's pre-tax.

I use it like a 401K - chances are high that your retirement medical expenses will exceed your HSA balance (even if you max it). A few years in long term assisted living and it would deplete it.

SnowboardAg-

ALOT of people dont get this about HSAs - it is like a second IRA. you can even invest it like an IRA depending on what company holds the funds.

also, when you reach your medicare years, it can be converted to an IRA at that point.

We love our HSA and max it out every year. We have 3 kids, though, and will use it for medical expenses. I hope to be able to "put some aside" this year.