The HSA provides a triple tax benefit: (a) contributions reduce your taxable income in the year you contribute, (b) any gains in the plan are tax-free, and (c) any withdrawals used for qualified health-related expenses are tax-free (and how many retirees have you heard of who have no health-related expenses?).
However, not everyone qualifies for an HSA, and even if you do, 2022 contribution limits are just $3650 for individuals and $7300 for families, with a $1000 catchup provision for those over age 55. Thus, for the following, we’ll assume you need other options, instead or in addition.