Assuming you are healthy HSA's are the best option after getting up to your 401k match ,the only downside is the low amount per year you can contribute.
No tax going in, no tax on earnings and no tax on withdraws(for health expenses)...and the best part...If it goes directly from your employer to your HSA there are no FICA taxes taken out either.
Once you turn 65 you can withdraw from it like a normal IRA or continue to use it for health expenses without paying taxes.
As they are currently set up there is also no limit on how long you can wait to reimburse yourself for for medical expenses. Lets say you have a $5,000 medical bill and pay it out of pocket without using funds from your HSA. You can save a copy of that receipt and reimburse yourself that $5,000 tax free from your HSA 10/20/30 years from now. In the meantime that $5,000 is still in your HSA growing tax free.
Its really the ultimate retirement account
https://www.madfientist.com/ultimate-retirement-account/