I have had an HSA for 3 years. I am 39 now, no kids, and haven’t been to the doctor in that time. I have saved $10,000 in that time. If you or your kids frequent doctors regularly, then stay away. The gamble has, so far, paid off for me. With the name Flu, this doesn’t seem like the plan for you.

At 65yo that money can be pulled out like a 401k with no medical need.