Health Savings Account (HSA)
An HSA is a tax-advantaged account for medical costs, available if you have a high-deductible health plan. It's uniquely triple-tax-free: contributions are deductible, growth is untaxed, and withdrawals for qualified medical expenses are tax-free — no other account does all three.
Unspent HSA money rolls over every year and can be invested, so many savers treat it as a stealth retirement account, paying current medical bills out of pocket and letting the HSA grow. After 65, non-medical withdrawals are taxed like a traditional IRA.
Put it to work
Take-Home Pay Calculator
See your actual paycheck after federal tax, Social Security, Medicare, 401(k), health premiums, and state tax — per paycheck and per year (2026 figures).
Retirement Calculator
Project your retirement savings: what your balance could reach by retirement age and the monthly income it could sustainably provide.