SecondCor521
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"Worst" case is that you have abnormally low healthcare expenses and amazing HSA returns; then in your 80s, you cash it out and, to the extent it exceeds your expenses, it is taxed like an IRA.
IMHO, a pretty good worst case.
Worst case is actually dying with an HSA balance. HSA balances are not treated very well at death.
It's probably fairly doable to empty the HSA before death or slightly after. There is a grace period (6 months?) after death to withdraw for final medical expenses.