The HSA is the most effective retirement vehicle ever invented (assuming you are modestly organized). The HSA contributions are tax deductible (similar to an IRA). But even better than an IRA, the payroll contributions are generally exempt from social security/Medicare payroll taxes. And the withdrawals including the gains are tax free (similar to a Roth IRA).
And there is no schedule when you have to take the withdrawals. You can make a withdrawal today for an expense you had 20 years ago (hence the need for modest organization).
But the BBB made the HSA even better. It ups the contribution limits, and expands coverage to things like gym memberships.
Of note, you also will be able to contribute to an HSA after age 65.