For a long-term retirement savings plan, an HSA is worthwhile to take advantage of if allowed by your health insurance plan. Fidelity is now offering a no quarterly fee HSA with no minimum. I think most all other HSA providers charge a quarterly fee or require you to keep a few thousand dollars of the account in a liquid cash account side (that pays 0.1%) before you can invest any additional money of the account into mutuals funds:
I will probably open an account with them and stop adding to my employer sponsored HSA plan. Other than the tax free aspect of it allowing you pay medical bills, and possibly health insurance premiums down the road, it is a good vehicle to place investments that are not subject to a required minimum withdrawal after age 70.5 . For those of you who are in your 20’s, 30’s, etc. , you stand a good chance of living into your 90’s statistically, and maybe past. Having investments that can compound for 60 years, with an initial tax deductible boost, is pretty good.
Disclaimer: Consult your financial professional before making any investment decision.