Stop Treating Your HSA Like A Checking Account: How To Use The Best Tax Deal In America

Описание: If your employer offers a Health Savings Account (HSA) and you are not using it, you are leaving serious money on the table.

In this video, I walk through:
What an HSA actually is and how it works
2025 eligibility rules and contribution limits
The triple tax advantage that makes HSAs unique
Why you should stop swiping your HSA card for every doctor visit
How to invest your HSA for long term tax free growth
The “save your receipts” strategy that lets you reimburse yourself decades later
How HSAs work in retirement, including the age 65 rule
What happens to your HSA when you die
Why HSAs are especially important for veterans and non retired former service members

Used correctly, an HSA can be more powerful than a traditional IRA for part of your retirement strategy. Most people treat it like a reimbursement account and never let the money grow. My goal is to help you avoid that mistake.

If you are in open enrollment right now, take a few minutes to understand:

Whether your health plan is HSA eligible
How much you can contribute
How to invest those contributions for long term growth

Then put a plan in place to:
Contribute up to the limit
Pay current medical expenses out of pocket when you can
Save and back up every receipt
Use the account strategically in retirement for Medicare premiums, healthcare, and long term care expenses
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💬 Drop your questions in the comments—Kirk reads and replies.