Key Points HSAs make it easy to save for healthcare costs in a tax-friendly manner. Taking a non-medical HSA withdrawal can trigger a costly penalty. Once you reach a certain age, that penalty goes away. The $23,760 Social Security bonus most retirees completely overlook › If you're nearing retirement with a huge balance in your health savings account (HSA), it should give you peace of mind. Healthcare can be a huge expense for seniors. And some of your costs may be unpredictable. The more money you have in your HSA , the easier it should be to cover those expenses. But having a very large HSA could lead to a situation where your balances exceeds your anticipated medical costs.
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