 The rest of you, you're going to end up needing these medical dollars. You're going to need these accounts. You can convert it to an IRA. You'd be a fool to do that. But you can also dump more money into it as a one-time contribution. Do the entire year's worth of the max. The limits are going up year by year. Make sure that you contribute to the HSAs. You've got to do these only if you're in a plan that you expect that you're healthy.