| |  William Baldwin Contributor  I write about investing and
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their own.   Contact William Baldwin   Forbes 30,356 views  Turn
Doctor Bills Into Retirement Income    (2) It compounds tax
free. (3) It comes out tax free.  The powerful tax-saving
vehicle is a health savings account. An HSA is a kitty, funded
by you and/or your employer, that you are supposed to use to
cover deductibles and copays in a high-deductible health
insurance policy.  Supposed to use, but don’t have to use.
That’s the starting point for this investment scheme. Amounts
you don’t draw down carry over from one year to the next, and
balances can build up. You can use the account to play the stock
market.  Most HSA users find themselves with plenty of medical
bills to pay and spend the money almost as fast as it comes in.
But a sliver of the 9 million Americans with HSAs stuff their
accounts and make no withdrawals. Even though HSAs have been
around for only a decade and the c