reading this sparked my interest as it is a great idea but from what I've read if you are covered by a non hdhp you can not do this per IRS publication 969. too bad because that would have been one hell of a loophole and I would have considered starting an astronomically high deductible with ultra low premium secondary insurance company to cater to this market
Max out contributions to the HSA
all medical expenses (except for premiums) since the beginning of the hsa account’s existence are eligible for reimbursement, decades later