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hsa

Meet the New HSA Limit, Same as the Old HSA Limit

If you have a Health Savings Account (HSA) with family coverage, determining your 2018 contribution limit has been an adventure. This in one of the many unintended consequences of the Tax Cuts and Jobs Act (TCJA).

What If You Could Pay Health Care Costs in Retirement with Tax-Free Dollars?

As medical expenses continue to increase, planning for them in retirement takes on greater importance. One approach is to shift thinking of the Health Savings Account (HSA) as an account to defray medical expenses annually to an account with pre-tax dollars and tax-free earnings to defray medical expenses years from now in retirement.

Why Your Kids Don’t Want Your HSA

Do you have an HSA? Have you thought about what will happen to those funds after you are gone? You may be surprised. At your death, any funds remaining in your HSA are payable to the beneficiary you name on the account. If your spouse is your beneficiary the news is good. If your kids get your HSA, they may not fare so well.

10 Things You Must Know about HSAs

As the summer heats up, healthcare remains a hot topic. Will the ACA survive? Will Congressional Republicans succeed in repealing and replacing it? As we reach July these questions remain unanswered. One thing that is clear, however, is that Health Savings Accounts (HSAs) are playing a significant role in the healthcare deliberations. Proponents advocate expanding these accounts as a way to save on health costs and get a tax break. Opponents argue that HSAs can’t help those who cannot afford to fund them.

What You Should Know Before You Name an HSA Beneficiary

If you have an HSA, you will want to give some thought to what will happen to this account after your death. The rules are a little tricky and careful planning is important to minimize the tax bite.

HSAs Are NOT the Answer to America’s Health Insurance Problems

In my opinion, expanding the availability of HSAs to more Americans is not going to solve the problem of providing health insurance to all Americans. Here is why I believe that statement.

Will HSAs Make America Great Again?

Healthcare is in the news. Talk of the repeal of the Affordable Care Act is everywhere. There is also much speculation about what could follow and what would replace it. At this point, no one really knows for sure. However, there is some basis for believing that Health Savings Accounts (HSAs) may play an important role in whatever comes next for this country’s healthcare system.

Tackle Higher Medical Expenses and Tax Infested Traditional IRA Accounts at the Same Time!

Two challenges that retirees and pre-retirees are facing are rising medical costs as well as trying to figure out how to distribute their tax deferred retirement accounts, such as Traditional IRAs with the least amount of tax possible.  There is a strategy that can “tackle” both challenges at once! 

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