One last (dark) thought.
If you die, and your spouse is your beneficiary, the HSA becomes your spouse's HSA. Will they know where to find your records to get tax-free reimbursement?
If you die and your spouse is not your beneficiary (like your child or sibling), the HSA converts to a regular investment account and the fair market value becomes immediately taxable to the beneficiary. The taxable amount can be reduced if your beneficiary pays your final medical bills within 1 year, but the taxable amount is not reduced by all your old reimbursements you were saving up.
In contract, beneficiaries of 401ks or Roth IRAs get much more favorable treatment.
