Jack, that's just not true. In general, HSA funds can be used to directly pay, or to later reimburse, for:
COBRA premiums of the (former) employee, spouse, and dependents,
Health coverage while receiving unemployment under federal or state law,
Medicare premiums parts B, C, D, if former employee is 65 or older (if former employee isn't 65 but spouse or depdendent is, HSA can NOT be used for those person(s) premiums
Medicare expenses of copays and deductibles, and
Long-term care insurance
HSA can NOT be used for Medigap premiums.