Health savings accounts can be a record-keeping nightmare. Here's why

Financial experts often tout the three-pronged tax benefits of health savings accounts. In order to maximize those tax benefits, financial advisors often make a recommendation along these lines: Pay out-of-pocket for today's medical bills — rather than tapping the HSA immediately — if you can afford it. Meanwhile, invest your HSA funds in the stock market to build up a potent tax-advantaged war chest . …