A health savings account (HSA) can be funded during your working years and tapped at any time. Need to cover a brief hospital stay during your 40s? That's what your HSA is there for. You can even take HSA withdrawals to cover things like doctor visits when you're feeling sick or ongoing prescriptions.

But if you really want to make the most of your HSA, it pays to do what you can to save at least some of the money in yours for your senior years. Here are some of the benefits you might appreciate having as a retiree.

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Source Fool.com