Why Most People Are Wasting Their HSA (And How to Fix It)

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Health Savings Accounts (HSAs) may be the most powerful tax-free retirement planning tool available, yet most people use them completely wrong.

If you’re enrolled in a High Deductible Health Plan (HDHP), your HSA could offer triple tax-free growth and a strategic way to fund healthcare and Medicare costs in retirement.

Tyler Emrick, CFA®, CFP®, breaks down how to turn your HSA from a simple medical spending account into a long-term, tax-efficient retirement asset.

In this video, you’ll learn:

• HSA eligibility rules, 2026 contribution limits, catch-up contributions, and the December “last-month rule”
• How High Deductible Health Plans qualify you to contribute
• Why leaving your HSA in cash limits long-term growth
• How to invest your HSA using brokerage options
• The “invest now, reimburse later” strategy to build tax-free retirement liquidity
• How HSAs can cover Medicare premiums, COBRA coverage, long-term care premiums, and other retirement healthcare costs

Have questions?

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Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1