You fed this account for twenty years and barely thought about it.
A little off every paycheck. A statement you never opened. A login you have definitely forgotten.
Then retirement shows up and a reasonable question arrives with it: what actually happens to my HSA now?
Does it close? Does my employer take it back? Does the IRS notice I stopped working and come collect?
No, no, and no.
Your HSA does not retire when you do. It gets promoted.
It keeps every tax advantage it ever had, it picks up a few new abilities you did not have access to before, and it becomes one of the most flexible accounts you own. Unlike an FSA, which evaporates the second you leave your job, the HSA is yours. Permanently.
There is exactly one thing that changes for the worse, and one date that decides when it happens. Get that date right and everything else about this is good news.