If you enroll and are insured in the United Healthcare HSA Qualified Health Plan, you can set aside pre-tax money in a Health Savings Account. The money in an HSA can be invested much like 401(k) funds are invested. Unused money in an HSA account is not forfeited at the end of the year and is carried forward. Also, your HSA account is yours to keep which means that you can take it with you if you change jobs or retire. If you have any money remaining in your HSA after your retirement, you may withdraw the money as cash.