Key Points With an HSA, you get to decide how much to spend and how much to save for retirement. It's possible to invest the funds in your HSA, allowing them to take advantage of compound interest. As long as they're used for qualified medical expenses, withdrawals from an HSA are tax-free. The $23,760 Social Security bonus most retirees completely overlook › If the first thing you thought upon learning your company offered only a high-deductible health plan (HDHP) was, "Well, nuts," there's some ...