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It also rolls over from year to year and you don't have to use it that year. They also pay interest, although it's not a lot for most accounts. Although your expenses have been minimal the last few years, this could be a good time to save up for a rainy day... or kids/pregnancy health expenses (which can add up quickly!). It is tax free if you use for it medical expenses or if you withdraw it when you retire. If they were an option when I was younger, before kids, I would have considered putting the maximum annual amount. I would want the equivalent of my maximum annual deductible in there, just in case.
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