HSA in Retirement: Distributions, Medicare, and What Qualifies
Understanding HSA retirement distribution rules is where the real planning work begins. Years of contributions and investment growth have built the balance — now the question shifts from how to fund the HSA to how to use it well. The HSA in retirement operates under a different set of rules than during the working years. […]
HSA Strategy for Retirement: The Decisions That Actually Matter
Most clients who have an HSA are spending it. The ones who will benefit most from it in retirement aren’t. The triple tax advantage of an HSA is well documented. What gets less attention is the decision framework that determines whether a client actually captures it: when to spend vs. invest, how Medicare timing affects contribution eligibility, and what happens to the account […]
HSA Eligibility and the 2026 Rule Changes: Getting It Right on Client Returns
Two things changed for HSA eligibility rules in 2026 under the OBBBA. The contribution limits moved up modestly. The eligibility rules, thanks to the One, Big, Beautiful Bill Act (OBBBA), changed in ways that matter a lot more for return preparation. IRS Revenue Procedure 2025-19 covers the limit adjustments. The OBBBA, signed July 4, 2025, […]