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An HSA offers a rare triple tax benefit: contributions are tax-deductible, growth is tax-free, and withdrawals for qualified medical expenses are tax-free. You must be enrolled in a high-deductible health plan to contribute. Because unused funds roll over and can be invested, many treat the HSA as a stealth retirement account for future health costs.
Investing HSA funds instead of spending them turns it into a tax-free medical nest egg.
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