HSAs are a trifecta super power account. Contributions are not subjected to tax. You can invest and grow tax free, and if you spend money on qualified expenses, it comes out tax free. The money rolls over and grows each year, unlike an FSA.

In retirement, if you happen to use the money for something other than medical expenses, you just have to pay taxes. With the way things cost today, I cannot imagine I will have a problem spending this appropriately in retirement.

It's triple tax advantaged. Also there are age no restrictions or penalties on an HSA when you can use the funds on healthcare

The average retired married couple retiring at 65 spends $315,000 in healthcare costs over the course of their retirement according to Fidelity. Everyone will have healthcare costs as they get older. Healthcare costs are only going to increase as time goes on.

I just turned 31, so I know how you feel. Your young, healthy, and feel invincible. I know it doesn't seem important since you have your entire life ahead of you. But nobody lives forever. Our bodies break down, we get sick, we get diseases, we fall off ladders, we fall down the stairs, we get in car crashes, etc.