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Message: [QUOTE="JRRRJ, post: 2921246, member: 1303"] The funds in an HSA can stay forever, and they can be inherited, though I'm not sure of the tax status to your heirs. You can contribute to an established HSA every year until the year after you start on Medicaid, whether you are working or not. Depending upon how the HSA is structured (in my case, decided by my employer, who matched some of my contributions) it may allow the funds to be invested in CDs, bond funds, and mutual funds. (The Enron debacle resulted in the elimination of investing in stocks.) My HSA doesn't provide a debit card -- I must enter claims for reimbursement, which they pay promptly out of the funds which are not invested. So, every so often I sell some of the funds to maintain a cash balance in the HSA. [/QUOTE]