Everyone should have a health savings account (HSA). Of course, not everyone qualifies for a HSA but, nonetheless, it remains one of the most valuable tools in saving for future medical expenses and retirement.
Think of it this way, as you get older, which of your spending categories is most likely to to go up? Sure, you might pay more for a better house or more luxurious food. You might even spend substantially more on vacations or gifts given to others or charity. But they all pale in comparison to your future spending on healthcare. It is likely to be your biggest categorical expenditure in retirement. Better start planning for it now.
This article helps summarize some of the benefits of HSAs and how they work. After you read it, call your HR department to see if you qualify to contribute and then start.