Health savings account
A health savings account is similar to an IRA but it can be used to pay for many types of healthcare expenses. It has a similar tax advantage as an IRA in that qualified individuals can contribute money into the account before they pay taxes on that money. Unlike a flexible spending account the money doesn't disappear at the end of the year. It rolls over from year to year and some HSAs allow you to invest the money into the stock market or certain mutual funds. If the health savings account funds are not used by the time you retire, they can be withdrawn like normal IRA contributions. Although chances are most people will have some medical expense or doctor visit at some point in the future.