HSA’s are such a f*cked up concept. Save your own money in a different account and if you happen not to need as much as you set aside, your employer takes the leftovers. The alternative is that you find some way to spend the money on healthcare that you don’t need. Sounds like something the health care lobbyists came up with.

The only scenario I could see it making any sense for would be long term prescriptions that you definitely know you’ll be spending a certain amount on. Otherwise, it’s just charity for an employer that’s probably offering HSA’s as a way to cut back on or eliminate real health care insurance.