Quote:
That sounds like great advice. My only counter top that is to make sure you maximize all of your other tax advantaged accounts of you do this. Otherwise, why not pull out the expenses from the HSA and use them to fund your IRA, 401k, etc.?
I max out everything - 401k, HSA, Roth. I even opened up a limited purpose FSA to save even more on taxes (but that was use it or lose it, and I used it).
I use my income to pay everything. If I max that out (which really only happens if I make a big purchase, like a car), then I revert to after-tax savings that's in a regular interest-bearing savings account. To date, I have not had to tap into any of my investment accounts, including my personal index funds account. I realize I am very fortunate to be able to do this, and most people would need the money in their HSA to cover a major medical expense.
However, I would discourage anyone from using it to reimburse expenses that are less than your deductible/OOP max. If you have an HSA, you're on an HDHP and ~should~ have enough in regular savings to cover the deductible/OOP max. If you don't, then you really can't afford to be on an HDHP (assuming there is another option, although I know sometimes there isn't).