HSA (Health Savings Account)
RetirementA triple-tax-advantaged account for medical expenses: tax-deductible contributions, tax-free growth, and tax-free withdrawals for healthcare.
Example
Example: You contribute $4,300 (2026 individual max) to your HSA at the 22% tax bracket. Tax savings: $946 on contributions. You invest the balance in an index fund and do not touch it for 25 years. At 7% return, your $4,300/year contributions grow to approximately $270,000 — all available tax-free for medical expenses in retirement. Use our HSA vs FSA calculator.