Money Guy Show The Most Underrated Investment Account in 2026
Dec 10, 2025
Health Savings Accounts (HSAs) offer a unique triple tax advantage that many overlook. The hosts dive into the eligibility rules and contribution limits for 2026, revealing that only 10% of Americans take advantage of them. They also explore strategic tips for maximizing HSAs, including investing balances and planning for tax-free retirement distributions. With stats indicating most users miss out on long-term benefits, it's a goldmine waiting to be tapped. Plus, they discuss practical advice for recent graduates and emergency funds!
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HSAs Offer Unique Triple(Plus) Tax Benefits
- Health Savings Accounts (HSAs) combine front-end deduction, tax-deferred growth, and tax-free qualified withdrawals.
- Employers can add a fourth benefit by contributing pre-tax payroll funding that also avoids payroll taxes.
Verify HSA Eligibility During Enrollment
- Confirm your health plan explicitly states "HSA eligible" before enrolling, because deductible thresholds alone don't guarantee eligibility.
- Check plan details for copays or covered services that can disqualify HSA participation.
Know 2026 HSA Contribution Limits
- Track 2026 HSA contribution limits: $4,400 individual, $8,750 family, plus $1,000 catch-up at 55+.
- Include employer contributions when calculating your annual limit.
