Terms of Use 
 

An HSA is a tax-advantaged account that allows you to pay for current medical costs and save for future healthcare expenses in retirement. Unlike other health accounts, you own the funds for life.

Individual Contribution $4,400
Family Contribution $8,750
Catch-up (Age 55+) $1,000
Min. Plan Deductible $1,700 / $3,400
Triple Tax Advantage Contributions are pre-tax, growth is tax-free, and withdrawals for medical expenses are 100% tax-exempt.
Total Portability The account stays with you if you change jobs or retire. There is no "use it or lose it" rule; balances roll over indefinitely.
Investment Growth Once you hit a minimum balance, you can invest your HSA in mutual funds or stocks to grow your retirement medical nest egg.
Retirement Flexibility After age 65, you can withdraw funds for any reason. If not for medical care, you just pay standard income tax with no penalty.
Feature HSA (Health Savings) FSA (Flexible Spending)
Enrollment Requirement Qualified HDHP/Bronze Plan Any Employer-Sponsored Plan
Rollover Provision Unlimited - Never Expires Limited ($680 max for 2026)
Monthly Premium Usually Lower Varies by Plan
Eligibility Expansion: Under recent federal updates, all Bronze and Catastrophic Marketplace plans are now officially HSA-eligible, making it much easier for independent filers to access these tax benefits.