Morningstar’s 2025 HSA Landscape report reinforces a planning reality many retirees discover late: healthcare costs don’t behave like a one-time expense—they recur, fluctuate, and often rise over time. The report highlights continued growth in HSAs and evaluates leading providers, showing meaningful differences in transparency, usability, fees, and investing access. For long-range planning, the key takeaway is that an HSA isn’t just “a place to pay bills.” How the account is structured—and where it’s held—can impact flexibility and net results. For households thinking about retirement income durability, a well-run HSA can function as a dedicated resource for future medical spending, helping reduce pressure on other income sources later.