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.
There are two age limits restrictions for health insurance. The first is an individual has to be of legal age to contract. That age is 18. The second age limit is that when you turn 65 the insurance companies will require that you obtain Medicare. The only exception to that is if you are still working and the group plan allows an individual to remain insured past 65.