I am young, healthy, and rarely use my HSA for any kind of relevant expenses. I might use it once a year for a prescription or something, but I'm certainly not maximizing the use of my funds (I don't buy every day items, like band-aids, with my HSA funds).
I still want to make good use of my HSA as a hedge against future healthcare costs / risks. However, I have bills to pay and prefer saving cash to make large purchases, so cash flow is still a concern.
Maximize HSA contributions as a major precaution against future healthcare costs? I can afford it, but it would limit my cash flow and savings ability.
Contribute only enough to cover the annual out-of-pocket maximum, as a reasonable precaution? I assume I'll be healthy enough to work and recontribute the next year.
Maybe I'm missing an angle... what do you think?