Why the HSA beats every other account
A 401(k) is taxed on withdrawal and a Roth is taxed going in. An HSA is never taxed when used for medical costs — and after 65 it works like a traditional IRA for anything else.
The stealth retirement account
Pay medical costs out of pocket, keep the receipts, and let the HSA compound — you can reimburse yourself years later, tax-free. The calculator shows what funding it costs you per paycheck.
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Read the guideFAQ
How much does an HSA save on taxes?
Your marginal income tax rate plus 7.65% FICA if contributed through payroll — often 30 cents or more saved per dollar contributed.
Who can open an HSA?
Anyone enrolled in a high-deductible health plan (2026: at least $1,700 self / $3,400 family deductible) with no other disqualifying coverage.
What happens to my HSA if I change jobs?
It is yours — the account and every dollar in it (including employer contributions) move with you.
For the long-run version of this question, the Dave Ramsey investment calculator compounds it to age 65.
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