There's a lot of debate about what the best retirement account is. Some say it's a 401(k) because it enables you to get an employer match on your contributions. Others say it's a Roth IRA because it allows for tax-free withdrawals in retirement.

But there's one account that's too often left out of the discussion. Health savings accounts (HSAs) aren't technically retirement accounts at all. But people are increasingly using them for retirement savings because of the rare perks they offer. Here's what you need to know to decide if an HSA is a good fit for you.

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Source Fool.com