Category: HSA General Information

How to Make HSAs Better Retirement Accounts

March 22nd, 2019

  “Congress . . . can’t continue a policy that discriminates against employees who earn lower wages.” William G. (Bill) Stuart Director of Strategy and Compliance March 21, 2019 When I tell people about my soon-to-be-released book, HSAs: The Tax-Perfect Retirement Account, I’m sometimes asked what changes I’d like to see in HSA rules to.. Read more

The Four Types of HSA Owners

March 7th, 2019

  “[Y]ou don’t need a six-figure income to become a Conscious Accumulator. Workers who are diligently saving for retirement can fund their HSAs at or near the statutory maximum each year by shifting where they place their retirement contributions.” William G. (Bill) Stuart Director of Strategy and Compliance March 7, 2019 Different people use Health.. Read more

Introducing Medical Equity

February 19th, 2019

“[I]f used properly, an HSA is a more efficient means of building medical equity. . . Taxes reduce the amount of your contribution or the spending power of your distribution. Alone among these accounts, HSA contributions, balances, and distributions experience no tax friction as long as withdrawals reimburse qualified expenses.” William G. (Bill) Stuart Director.. Read more

Getting to 60 on HSA Expansion

August 22nd, 2018

“Democrats will point to statistics showing that most HSA owners don’t accumulate large balances because they don’t have sufficient discretionary income to contribute to the current statutory limits. . . But for many, an HSA is merely an alternative to a Health FSA. . . No one criticizes Health FSAs because participants don’t build balances.. Read more

HSA Critics Aim at the Wrong Target

August 9th, 2018

“It’s important to see an HSA for what it is, a financial account with tax benefits, and not what it isn’t, medical coverage with high financial barriers to care. Once we establish these principles, we can have a debate about the merit of HSAs. On the other hand, who’s going to take the position that.. Read more

The Moral Case for HSA Expansion

July 25th, 2018

“Current law discriminates against working seniors who are enrolled in HSA-qualified plans based on their income and the size of their employers. This discrimination simply isn’t fair, especially when there is a fairly simple solution. As more Americans understand this issue, members of Congress will have an increasingly difficult time defending this ongoing discrimination.” William.. Read more

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