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.
If you have a self-only HSA, then a monthly contribution of $287.50 would max out your annual limit; holders of family coverage HSAs can contribute up to $575 per month. If that seems like a lot, remember that these contributions aren't just for medical expenses; they're a type of retirement savings as well.