The Clark Howard Podcast 10.22.25 HSA Changes / Operational Cost Compare: EVs, Hybrids & Gas Vehicles
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Oct 22, 2025 Exciting changes are coming to Health Savings Accounts in 2026, making them more accessible and beneficial. Discover which vehicle—EVs, hybrids, or gas—offers the best savings long-term. Clark breaks down operational costs, revealing that driving an EV costs about $5 per 100 miles, compared to hybrids at over $6 and gas vehicles nearing $13. He also shares tips on handling old coins and discusses travel money tips for Southeast Asia. Plus, insights on avoiding potential pitfalls when purchasing cars from private sellers.
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HSA Triple-Tax Benefit
- Health Savings Accounts (HSAs) offer triple tax advantages: tax-free contributions, tax-free growth, and tax-free withdrawals for medical expenses.
- Clark recommends investing HSA funds (Fidelity as an example) and letting them grow for major retirement medical costs.
Treating HSAs As Savings Vs Spending
- Clark says many employees treat employer HSAs as emergency cash and spend employer contributions right away.
- He personally moved HSA funds to Fidelity and invests them for long-term tax-free growth.
Move HSA To Low-Fee Provider
- Move employer HSA money to a low-fee provider if your employer's administrator charges high fees.
- Clark suggests Fidelity as an easy, low-cost place to let HSA investments grow tax-free.