You should be using a health savings account!

Health Savings accounts offer more tax savings than both traditional and Roth retirement accounts for paying medical costs.
The IRS just announced the largest ever increase in the amount you can put in your HSA annually.
Most HSAs let you invest money in the stock market. I like to keep $1,000 in liquid cash in my HSA, and then every dollar over that $1,000 I invest into the stock market. If you have tens of thousands of dollars in an HSA, and they are just sitting in cash, no investments, they are rotting at the rate of inflation. I’m being dramatic, but inflation is eating away at your cash.
Fewer and fewer employers are offering retiree healthcare benefits which makes it crucial that you factor these costs into your retirement savings plans. To have a 90% chance of covering medical expenses incurred in retirement, a couple retiring in 2023 would need to have $318,000 saved according to one firm.
Works Cited:
https://www.wsj.com/articles/couples-can-soon-put-over-10-000-a-year-into-health-savings-accounts-4a2a1e0d?mod=hp_featst_pos4
https://www.investopedia.com/terms/h/hsa.asp
https://www.nerdwallet.com/article/health/what-is-an-hsa
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