Reply #6: Yeah - you'd have to know you were going to have a health issue come up

[gollygee]

and then know how much it would be, because these are "use it or lose it" accounts. If you don't need the money by the end of the year, you're SOL. I swear they're probably partially in place to force people to use up the money - "Hey, I could use another pair of glasses! Or maybe I'll get that LASIK surgery - after all, I have to use up the money in my HSA or it'll be lost!"