1）用的时候，肯定65岁以上了

2）用1万，你的退休收入不变，就是省了22%

但是如果用于买菜买车，就没有22%的税可以省了

如果不是用于医疗，65岁之后，也可以拿出来用，但是要算收入交税（加州州税不要交，因为已经交过了）

死后传給子女的话，子女必须立即拿出来，当年算入子女的收入，交税

不像401K，继承的子女可以有10年时间，慢慢提取，所继承的401K账户10年之内还是缓税的

可以的，更何况存入的是family contribution limit

夫妻之间继承的话，换一个名字就好了，还是HSA account

65岁之前拿出来（非医疗目的）要交税，好像还有20%罚款

You can use your Health Savings Account (HSA) to pay for your adult child''''s medical expenses if they are claimed as a tax dependent on your tax return. 

However, if you do not claim your adult child as a tax dependent, you cannot use your HSA to pay for their medical expenses

If your adult child is not claimed as a tax dependent, they can open their own HSA and *you* can contribute to it

没有独立的孩子可以用你的HSA，已经独立了就不可以

但是你可以帮助已经独立的孩子make HSA contributions 到你孩子的HSA 账户