05/05/2026
Information on HSA -Health Savings Accounts
At 25: max your HSA. Put in $4,300. Invest it in index funds. Do not spend it.
At 35: that account has quietly grown to $16,000+ without touching it.
At 45: it's $47,000+.
At 65: it's $220,000+. Triple tax-free. All of it.
Here is why the HSA is the most powerful account most people ignore.
Contributions go in pre-tax. That is tax-free on the way in.
The money grows tax-free inside the account.
Withdrawals for any medical expense are tax-free. That is tax-free on the way out.
No other account does all three.
After age 65, you can withdraw for any reason, like a traditional IRA, and only pay income tax. No penalties.
The catch: you need a high-deductible health plan to contribute.
If you have one and are not maxing your HSA, you are leaving free money in the government's pocket.
Open one today at Fidelity. No fees. No minimums. Full investment options.
