An HSA seems like a great idea since it’s never taxed. But I’ve been wondering if it would become a less than useful investment tool if the US were to somehow move to a universal healthcare system. I’m not sure how that would work or how other countries do it but if you saved up say $150k in an HSA and then never end up needing the vast majority of that for medical reasons what could you do with it? I don’t have anywhere near that much in an HSA but am on the fence about continuing to contribute and if I should invest it elsewhere. (Please don’t turn this into a political argument).