Health savings accounts (HSAs) offer great tax benefits and flexibility for covering a variety of medical expenses, including those not typically covered by health insurance. For example, dental costs can add up quickly with procedures like root canals,

The HSA is at a triple-tax-advantaged account for medical expenses. Find out why I'm not touching mine (for now).

A large IRA withdrawal or capital gains from the sale of a home, for example, will boost your Medicare premiums if you go over the income cap.

Although spending account and investment account fees have declined for health savings accounts over the years, the latest Morningstar review of the largest HSAs says the industry can do a better job.