As such, bubbles can't form. De-foamers though, are only temporary in their effects. The number one cause of foam, is residual detergent in swimming suits. Washing swim suits in a washing machine will leave behind quite a bit of soap in the suits, which then is introduced into the hot tub.
At age 65, you can take penalty-free distributions from the HSA for any reason. both tax-free and penalty-free the distribution must be for a qualified medical expense. for other purposes will be subject to ordinary income taxes.
Update: For 2018 limits on health savings accounts, see the SHRM Online article IRS Sets 2018 HSA Contribution Limits. Aside from a modest increase of $50 in the amount that individuals may contribute annually to their health savings accounts (HSAs) for self-only coverage, HSA-related limits for 2017 are holding firm.