u/Able_Durian_1832

I am 54 and plan on working for 3 more years before retiring. I currently have 170k in HSA. Both spouse and I are healthy. I understand that we can’t use HSA fund to pay aca premiums. I don’t have lot of past medical bills too to reimburse. I would like to continue to be on hsa for next 3 years. The balance might be over 200k when I retire( assuming market performs well). I have been using it for all medical bills since last 4-5 years. My question is - Is 200k in hsa is too much for a health couple. What are the ways to withdraw/use that money with no/minimal taxes