@LabyrinthMike
The idea behind the HSA is that you deposit money tax free. That creates a special tax free account that you can withdraw for expenses.
Since you can’t use the tax-free account because your deposit is not tax deductible, you could create your own savings account for medical purposes by depositing money onto any prepaid debit card you like. You have to be careful of the fees, but some of them have rewards.
Because you are ineligible for tax free contributions to an HSA, using the HSA as a medical debit card would mean voluntarily paying a 6% tax to the government that you wouldn’t have to pay if you pay your medical expenses in any other manner.
