While I am eligible to open an HSA, DH, who has one from his working days, is on Medicare. I turn 65 in 3 years, and don't see the point of opening yet another account to maintain, that I will only be eligible to contribute less than $20K into. I already have a TIRA, Roth, Inherited IRA, 2 joint taxable brokerage accounts, in addition to DH's 401K, TIRA, Roth, HSA, Trust...

Since we have plenty of taxable funds to cover expenses, we are letting DH's HSA accumulate along with paid receipts not submitted. I realize I am ignoring the potential for 15-20K of tax free accruals, but am having a hard time seeing the point given the short time frame until Medicare. Many of the above accounts are small. I don't see adding another layer of complexity to an already over complex set up that is tough to simplify. Other than tax free compounding, for which I will pay in labor, what am I missing?

IP