If you have the extra cash, the optimal situation is to consider your HSA like a second traditional IRA. Treat your medical expenses as contributions to that second IRA by paying for them with regular cash (or, of course, with a points-earning credit card), and do not reimburse yourself from the HSA. Save your receipts forever, and if times get tough, you can always file for reimbursement for old medical expenses.
Last edited by Jazzop; Oct 17, 2012 at 11:09 pm