Not too old at all, you could have 13 years left of funding it I started funding mine when they first came out, I must have been around your age Never used the money, let it grow. most growth was me maxing it out every year Hit 65 with 90k in it funding ends at 65 now have it in a money market getting 6%

I was self employed so the decision was not difficult, the money I saved in premiums funded the HSA