Summarze: HSAs are touted as a way to grow and set aside money for medical expenses tax-free. As the Society for Human Resource Management observed: "Contributions are made pretax, the money in the accounts grows tax free and withdrawals for qualified medical expenses are tax free." The average HSA created in 2005 has now accumulated more than $50,000 in investments and deposits, according to data from Devenir, an independent investment adviser and consultant in the HSA industry. That's already about one-sixth of the approximately $315,000 that Fidelity's Retiree Health Care Cost Estimate calculates will be cumulatively spent by retirees on medical expenses. "The vast majority of people are not maxing out their contributions each year," Robertson said. The new contribution limits "will allow people to think about their needs ... and get people more engaged."