HSA Accounts Do Die

Ever hear of an inherited HSA? For a spouse yes. For a non spouse no. Once you die a non spouse beneficiary loses any tax advantage a HSA offered the account holder. While this shouldn't be viewed ad a deterrent from saving for a rainy day, it should be considered in your final years and something which should be talked about with your non spouse beneficiaries before you get sick.

https://www.cnbc.com/2016/08/19/dont-use-your-health-savings-account-funds-right-away.html