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What Your Advisor Should Tell You About Health Savings Accounts

What Your Advisor Should Tell You About Health Savings Accounts

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Episode 31 of The Financial Advisor Podcast dives into a powerful but underused tool: the Health Savings Account. Lucas and Luna explain why HSAs offer a unique triple tax advantage—tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses—and how they can function as a stealth retirement account. They walk through the eligibility rules (you need a high-deductible health plan), the 2026 contribution limits ($4,300 for individuals, $8,650 for families, plus $1,000 catch-up for 55+), and strategies like paying for current expenses out of pocket while letting the HSA grow invested. They also cover estate planning quirks (non-spouse beneficiaries must pay income tax on the full balance) and the rare downside: you can't contribute past age 65 if you're on Medicare. By the end, you'll see why many advisors call the HSA the most tax-efficient account in the code. #HealthSavingsAccount #HSA #TripleTaxAdvantage #HighDeductibleHealthPlan #RetirementPlanning #HealthcareCosts #TaxEfficient #FinancialAdvisor #PersonalFinance #Investing #WealthManagement #EstatePlanning #Medicare #2026Contributions #FexingoBusiness #BusinessPodcast #FinancePodcast #TheFinancialAdvisorPodcast Keep every episode free: buymeacoffee.com/fexingo
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