HSA News for February 2, 2026
HSA news is provided weekly by Mr. HSA, Roy Ramthun.
Compliance Corner
No HSA Balance? No Problem. You Can Reimburse That Qualified Expense Later.
I do not have enough money in my Health Savings Account to reimburse my recent qualified expenses. Do I lose the opportunity to reimburse these expenses tax-free? No. Once you establish your HSA, you can reimburse all qualified expenses tax-free from your account for the rest of your life.
If They Are on Your Plan, You Can Reimburse Their Qualified Expenses? Not Exactly.
If a family member is covered on your medical plan, you can reimburse that member's qualified expenses tax-free from your Health Savings Account, right? No, not always. You must understand the difference in the requirements to be covered on a medical plan and to reimburse qualified expenses tax-free. Here's how to tell.
HSAs & Retirement
Healthcare Inflation Can Be a Runaway Train in Retirement. How to Prepare.
Every year, healthcare expenses gobble up a growing portion of Social Security benefits. Higher-income Americans pay more for Parts B and D in the form of a surcharge known as the income-related monthly adjustment amount (IRMAA). While the math is daunting, a little preparation can go a long way. Some advisors recommend a dedicated portfolio bucket for healthcare costs. An HSA could serve this purpose, for those who are eligible.
The HSA Retirement Bridge: Why 2026 Limits Make HSAs More Powerful Than IRAs
Most people think Health Savings Accounts are just for paying doctor bills. They're not wrong, but they're missing the bigger picture. With 2026 bringing new contribution limits and broader eligibility, HSAs are quietly becoming one of the most powerful tools for retirement planning. It's time we talk about why.
Here’s What Happens to Your HSA When You Go on Medicare — and How to Keep the Tax Savings Going
Like many savvy retirement savers, you take full advantage of health savings accounts. Every year, you contribute the maximum to your HSA. But once you turn 65 and start Medicare, your HSA eligibility ends and you can no longer add money to an HSA. Here’s how to keep the tax savings going.
Maximizing Your HSA
8 Things People Don’t Know About HSAs
Health Savings Accounts are my favorite investing account due to their “triple tax-free” tax treatment. In many ways, and HSA is like a stealth IRA. But I keep running into people who don't know about all of the ins and outs of HSAs. Here are some of the most frequent misunderstandings about HSAs.