from the Bogleheads forum, an interesting thread about HSA receipt savers.....
one fellow does an analysis of the amount gained by not using HSA funds vs paying with HSA funds annually. The benefit is surprising small although still there. Of course it assumes that if you pay from the HSA that you invest the equivalent amount in a taxable account instead of spending it......perhaps, for some an un-natural forced savings unlike keeping it all in the HSA.
https://www.bogleheads.org/forum/viewtopic.php?f=1&t=156240
one fellow does an analysis of the amount gained by not using HSA funds vs paying with HSA funds annually. The benefit is surprising small although still there. Of course it assumes that if you pay from the HSA that you invest the equivalent amount in a taxable account instead of spending it......perhaps, for some an un-natural forced savings unlike keeping it all in the HSA.
https://www.bogleheads.org/forum/viewtopic.php?f=1&t=156240