Health Savings Accounts

[Will Barnard]

Has anyone used HSA's and if so, have you self-directed it and invested in RE? I have just recently come across this type of account and find it to be very beneficial to RE investors. It is similar to an IRA (which can be self directed) but has even better benefits in that you get a "top of the line" deduction on your taxes and the money pulled out is also tax free as in a ROTH. Of course the money must be used for med expenses, but you end up saving money on medical insurance premiums and by self-directing the account, it can grow to a sizable account for not only medical expenses in retirement, but an account which can be passed down to heirs.

Any thoughts, experiences, etc.?