Question and background: Can I use an HSA like an IRA if I'm retired and no longer working? I'm retired with only SS for income, but I have well over $1 million in taxable investments. Since I'm not earning income, I can't put any money into an IRA or Roth. Can I use my HSA as my IRA? Could I put $5k yr into it, invest it in Vanguard's Mid Cap Fund and never use the money, just let it accumulate? It should be tax deductible and grow tax free, right?