Montecfo
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
My plan (I'm 52 now):
Continue to accumulate receipts.
Contribute another $7.3K or so in the next few years.
Reimburse myself for accumulated receipts at 65.
Start using it for Medicare premiums at 65.
The above plan means that the account will hit it's highest value when I'm 65 and be completely zeroed out when I'm about 75. So it'll go from about $9K now to about $53K at age 65 to $0 at age 75.
So I'll be current in the sense that I won't have any outstanding unreimbursed expenses starting at age 65, but it'll take another 10 years of Medicare premiums to drain the amount that has accumulated.
(If one concedes my preference to drain my HSA by age 75, then I don't see any advantage in continuing to contribute more. If someone else does I'd be interested in discussing that logic/strategy - maybe there's something I'm missing.)
The plan, of course, is subject to revisions, updates, and investment returns.
It is a fine plan. It is just underpinned by several unknowables. Namely, your longevity and your level of health costs to be incurred.