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Just think what would happen if you invested $6750 each year and it compounded with 7% returns that were tax-free. You would have $93,000 of tax-free money after just 10 years. And after 15 years you would have an amazing $170,000! And again, all that money would be tax-free.
If your employer doesn't offer HSAs
What could you do if your employer doesn't offer an HSA or you're self-employed? You should be able to open a separate HSA account at almost any financial institution.
Since it's now that time of the year to enroll in your benefits you need to carefully review your options. If you find you could create an HSA account you need to think about this seriously and if you sign up, try to and max out the 100% if possible. The bottom line here is that an HSA is not just a healthcare expense account. It's a lot more. And it just might help you live the retirement you've been dreaming about.