US Pro Tip: You can use your HSA as a long-term, tax-advantaged investment vehicle instead of spending it immediately on qualified medical expenses. Under current IRS rules, there’s no time limit between when you incur a qualified expense and when you reimburse yourself—as long as the HSA was already open and you keep proper records.

This opens the door to investing your HSA balance and letting it grow tax-free while you track receipts for future tax-free withdrawals. Triple tax benefit: contributions go in pre-tax, growth is tax-free, and withdrawals for qualified expenses are tax-free—even years or decades later.

To enable this, you can set up a self-directed HSA with a provider like Directed IRA. Their structure allows your HSA to own an LLC, and that LLC can hold assets like Bitcoin, real estate, private equity, or other alternative investments. You can even take full custody of assets like Bitcoin through the LLC—outside of exchanges or custodians—while staying within IRS rules.

Worth exploring if you’re aiming to build long-term flexibility and self-sovereignty into your health savings strategy.