You may find these links helpful:

• Retirement Accounts
• "How to handle $"

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

Welcome to /r/personalfinance! Comments will be removed if they are political, medical advice, or unhelpful (subreddit rules). Our moderation team encourages respectful discussion.

You may find our Health Insurance wiki helpful.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

I don’t understand the question. If you want it as a retirement house, you contribute and don’t withdraw until retirement

> Is letting the pretax grow untouched better than the benefit I get from using pretax dollars for health costs?

Yes.

> So essentially if I never claim ANY reimbursements through HSA or use my HSA for anything, would the cost difference between pretax and after tax be significant enough to make using the HSA funds worth it?

I don't exactly know what this means. There's no such thing as an after tax HSA. And you claim reimbursements later in life.

> How can I best determine the value of each decision?

If scenario A: contribute to HSA. Invest account balance. Pay medical expenses from other cash. Save receipts for medical expenses along way. Reimburse yourself later.

If scenario B: contribute to HSA. Pay medical bills from HSA as you incur then.

Scenario A wins.

Consider saving all of your HSA qualified expenses so you can claim reimbursement in the future. Good luck OP

Edited: itemized -> reimbursement