re: Anybody else using their HSA as a retirement vehicle?

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You do not have to use the HSA your company tells you to use. It is not like with a 401k. Open a HSA account with one of the major brokers, and instruct your company’s payroll that HSA funds are to go there. Roll over whatever you have now into that account. Then trade how you want to.

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I agree with this. The only caveat is if his company provides any sort of match or company contribution. In that case, he *may* be required to leave a certain amount in the company provided HSA (whatever their minimum may be) and then do as you’ve suggested. That’s what I had to do with a previous employer’s HDHP/HSA.

Once a year, I’d roll my contributions and what they’d deposited the previous year into my Lively/TDA HSA account and leave their current year contribution in the company account. Rinse & repeat.