Ah, maybe you caught something here. I must have misinterpreted one of the things I read.
I believe my goal would be to not take anything out of my HSA to allow it to keep growing until 65 and then I would reinburse myself as my Medicare kicks in. Any medical expense, I would just pay for now out of my cash. That was my line of thinking.
Maybe I was incorrectly keying off 65 when in reality I could take out and reiburse myself now, but in my strategy that would defeat the purpose of just letting it grow tax free.
And after 65, my goal would be to keep using it for medical related expenses such as Medicare supplement etc., which I believe would still be tax free.
I dont care about heirs as I dont have any
But thanks to correcting me that there is nothing magical about 65 in regards to paying myself back tax free and I could do it anytime. That is helpful