Just my two sats but instead of putting a lot of funds into a medical/dental account that’s just going to decrease over time just put those funds into Bitcoin and when you need it most utilize it.
Discussion
There are bitcoin HSAs. You get the benefit of no tax on investment, growth, or spend.
I honestly haven’t seen a whole lot of these offered but if you got a list companies that help offer this I’d check em out 🤙🏽
Havent looked in a while. My go-to was Jeff Vandrew but dont think he brought that offering to unchained. Theres also crowdhealth, not a tax advantaged product I think.
Put money in HSA and invest in Bitcoin ETF. This is where ETFs are useful
The other option is to accept exposure to custodial risk of the ETF for now. One of the few areas where it actually makes some sense to use an ETF since Bitcoin HSAs don’t seem like a common option