HSA News for October 27, 2025
HSA news is compiled weekly by Mr. HSA, Roy Ramthun.
HSA Studies & Analysis
HSA Deposit Rate Update – September 2025
Over the past quarter, HSA deposit rates increased 0.01% from their previous levels for all three balance thresholds. Rates still appear to be relatively stable with a small increase or decrease of 0.01%-0.02% over the last year.
Compliance Corner
Medicare and HSAs: Can They Co-Exist?
Medicare and HSAs can co-exist, with some important caveats. If you are planning your initial enrollment on Medicare, understand the implications of your enrollment activity on your eligibility to continue to fund your HSA. If you are enrolled on Medicare, understand how your years of planning and building your HSA will help you in retirement.
Both Spouses Are HSA-eligible. How Do Catch-up Contributions Work for Them?
My husband and I are enrolled in my employer’s HSA-qualified plan. We’re both HSA-eligible. I’m not yet age 55, and he’s now 57 years old. Can I make a pre-tax catch-up contribution to his Health Savings Account through my employer’s Cafeteria Plan? Can I deposit his catch-up contribution into my account? The answer to both questions is “no.”
Navigating HSA and FSA Compliance: Key FAQs and Common Misconceptions
HSA and FSA compliance is one crucial topic that is top of mind for many employees. HSAs and FSAs are often misunderstood, despite their significant financial advantages. It’s time to clarify the ins and outs of these tax-saving healthcare accounts. Here are some of the most common questions around HSAs and FSAs.
Best Practices
10 Steps to a Successful HSA
Offering a health plan that includes an HSA option is something an increasing number of employers are choosing to do. You may not be sure where to begin when trying to implement a successful HSA plan, but by following these suggestions, you can ensure that your plan is successful and beneficial to your employees.
Market Trends
A Family Health Insurance Plan Now Costs Nearly $27,000. Why Is Insurance So Expensive?
The average cost for a family health insurance plan offered through the workplace was $26,993 in 2025, an increase of 6% from a year ago, according to a new report. Employers cited prescription drug spending as one factor driving insurance costs higher in recent years. That was especially true among larger employers who covered weight-loss drugs such as Wegovy and Zepbound.
Why the Future of Retirement Planning Is Female
Women are expected to inherit $30 trillion in wealth from Baby Boomers by 2030, according to research by McKinsey. This historic wealth transfer presents a major opportunity for financial professionals—especially those offering lifetime income solutions that reflect women’s priorities.
Planning for Health Care Costs in Retirement
Health care costs in retirement have become the single greatest financial worry for millions of seniors, outweighing even fears of running out of money. Medical expenses tend to rise over time, and retirees must navigate complex insurance choices as their health needs change, sometimes quickly. Even with Medicare coverage, out-of-pocket costs remain substantial.
HSAs & Retirement
The Average HSA Balance Now Tops $3,700. Here's Why It's a Game Changer for Retirement
There are few financial vehicles as owner-friendly as an HSA. That's because unlike money in an FSA, HSA funds can be rolled over yearly, allowing you to build a balance. According to Devenir, the average HSA balance is now $3,731. For those aged 55 and older, the average balance increases to $6,564. For those who plan ahead, even a modest HSA balance can be a game changer in retirement. Here's how.
Why More People Are Investing Their HSAs -- and How One Can Help You in Retirement
Have you ever been envious of someone because they have an HSA? If not, it may be because you haven't heard how an HSA can supercharge your retirement planning. Here's how it works, and why more people are investing in their HSAs with an eye toward the future.
Wondering About Health Savings? Here's the Average HSA Balance for People in Their 50s
Why do older HSA users have larger balances, on average, compared to younger ones? Researchers point out that older workers typically earn more and therefore can afford to stash away more money. Additionally, since they've been in the workforce longer, they've had more time to grow their account balances.
Maximizing Your HSA
10 Things You Need to Know About Health Savings Accounts
If you don’t have many medical expenses now, you’ll be able to benefit even more from the tax advantages of an HSA in the long term. You’ll get a tax break for your contributions, then you can build up a tax-free stash of money to help pay for medical expenses in the future — even after retirement. Here are some things you may not know about HSAs, as well as some strategies to make the most of these plans.
Consumer-Driven Health Care
You Can Use Your HSA to Shop These Surprising Amazon Products
If you’ve got money sitting in your HSA or FSA, Amazon is filled with eligible products to spend it on. We found some practical (and unexpected) picks to help you get the most from those tax-free dollars. Beyond basics like bandages and pain relievers, you'll find smart scales, heat therapy sleeves and high-tech fitness trackers like the Oura Ring.
Is It Cheaper to Pay for Medical Care Without Health Insurance?
With the cost of health insurance set to rise, some Americans are asking a surprising question: Is it actually cheaper to get medical care without it? The short answer: Sometimes. But not often. And it may require a lot of homework. But paying outside of health insurance means that cost doesn’t count toward your deductible or out-of-pocket limit which could leave you wind up worse off financially.