White Coat Investor Podcast

WCI #4: The Stealth IRA: A Health Savings Account May Be Your Best Retirement Plan

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Jan 27, 2017
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INSIGHT

HSAs Are Triple Tax-Free

  • HSAs offer triple tax-free benefits: contributions, growth, and withdrawals for healthcare.
  • This makes HSAs superior to 401ks and Roth IRAs for tax efficiency.
ADVICE

Choose Health Plan Wisely

  • Verify if a high deductible health plan suits you before opening an HSA.
  • Consider employer subsidies and tax benefits when choosing your health plan.
ADVICE

Maximize HSA Investment Potential

  • Save receipts to reimburse healthcare expenses from your HSA years later tax-free.
  • Invest HSA funds aggressively while keeping other cash for immediate healthcare needs.
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