HSA News for April 13, 2026
HSA news is compiled by Mr. HSA, Roy Ramthun.
News from Washington
IRS Announces Tax Relief for Taxpayers Impacted by Winter Storm Fern in Tennessee; Various Deadlines Postponed to May
The Internal Revenue Service announced tax relief for individuals and businesses in Tennessee affected by Winter Storm Fern that began on January 22, 2026. These taxpayers now have until May 22, 2026, to file various federal individual and business tax returns, make tax payments, and make 2025 contributions to IRAs and HSAs, if eligible.
HSA Studies & Analysis
HSAs Aren’t the Problem. Our Narrative About Them Is.
A recent article featured the story of a self‑employed individual who has long enrolled in high‑deductible plans but has never opened an HSA. Rather than a critique of HSAs, it’s a spotlight on a deeper issue: we’ve made HSAs sound more complicated than they are, and we’ve unintentionally pushed people away from a tool that could help them.
Lowering Healthcare Costs Without A Disastrous Government-Run Model
The relentlessly rising cost of healthcare will be a big issue in the fall elections. In free markets customers call the shots, but we don’t have genuine free markets. Third parties, not the customer, dominate the market. The cure is free markets, and unshackling Health Savings Accounts would be a huge step forward.
Compliance Corner
“Mr. HSA” Finalizes 2027 HSA Projections
With the April 10 release of the March inflation figures by the Bureau of Labor Statistics, I am now finalizing my projected HSA amounts for 2027. The good news is that the HSA contribution limits will be increasing for 2027. For HSA-qualified health insurance plans, the minimum deductibles and annual out-of-pocket limits will also increase.
Which Employee Benefits Disqualify You from Contributing to Your HSA? Part 1
Progressive companies offer a comprehensive menu of employee benefits designed to retain and attract talented workers and increase productivity. Sometimes, benefits that employees value can disqualify them from opening and funding a Health Savings Account. Here’s a look at common benefits offered by employers through the lens of HSA eligibility.
HSAs & Retirement
Fidelity Warns Health Care Could Derail Retirement
You may have spent decades saving for retirement, hoping it will last through your final years. But Fidelity’s latest research shows that health care could quietly consume a quarter of your total retirement savings if you do not prepare for it. The numbers are sobering, and the strategies required to manage them deserve your full attention.
These Two Certainties in Life Should Point (Nearly) Everyone to an HSA
Americans (and many other people around the world) are experiencing the direct effects of two personal and societal certainties: growing old and the high cost of medical care. Fortunately, there is a tool that can help. It's the versatile tool known as a Health Savings Account.
Here’s Where to Put Your Next Retirement Dollar for Maximum Growth
The contribution order for retirement savings and investments is the sequence in which you fund different account types to maximize growth and minimize tax drag over time. For most people, an optimized order looks like this: (1) 401(k) or 403(b), up to the employer match; (2) Health Savings Account (if you have a high-deductible health plan); (3) Roth IRA or traditional IRA; (4) taxable brokerage account. Here's why.
Using a Health Savings Account for Retirement Funds? Avoid These 3 Mistakes
Those who qualify for HSAs can stash thousands more away for retirement each year than those that don’t qualify. But if you plan to use one of these accounts for this purpose, there are a few mistakes you definitely want to avoid. If you can avoid these mistakes, your HSA could prove really useful in retirement.
Maximizing Your HSA
How to Make a High-Deductible Health Plan and HSA Work for You
If you chose cheaper health coverage for this year only to discover you're on the hook for meeting a high deductible, these tips can help you prepare. One option is an HSA which lets you save pretax money and is now available to people enrolled in lower-tier state and federal exchange plans, including bronze and catastrophic coverage.