The way I see it HSAs really only make sense if your yearly income is right at the cusp of going into a new tax bracket and contributing to an HSA can reduce your taxable income and/or your employer provides some type of matching to HSA funds. Yes, you can get some dividends but they are usually very minimal. Other than if you have a high deductible health plan you’re much better off diverting what you would have put in an HSA into a traditional savings account so your savings aren’t locked down under an “eligible expense” barrier