If you participate in health savings accounts, then you likely think more about retirement. Analysis from Fidelity Investments claims 401(k) participants with an HSA accrued more than twice as much in their 401(k)s as the average participant.

Here's the proof: At the end of 2010, Fidelity's average 401(k) balance was $71,500, but for those participants also contributing to an HSA, the average balance was $170,500, a whopping difference of 138 percent.

"HSA participants understand the tax benefits offered over the long haul, so it's not surprising they are some of the most active savers in tax-advantaged retirement accounts too," says William Applegate, vice president of Fidelity. "As more employers turn to high deductible health plans to help rein in escalating health insurance costs, they're also seeking ways to help employees save for future qualified medical expenses. An HSA, like a 401(k), is a benefit that employers can offer workers to help create a culture of saving in the workplace."