少不更事。 HSA has triple tax benefits; a best way to invest

Better than 401k.

As long as he is doing 401k, he wants to do HSA. Actually HSA should come ahead of 401k (as it has more tax advantages). If he worries about 60, for 401K he is going to use much later than 60.

Young people never worry about medical cost, but at 60 and beyond, it's inevitable that medical cost will run up quickly. (even a medical imaging can cost a lot).

Remember: anything government tries hard to put a limit on it,  is a great benefit.