HSA - Factoid!

Key Aspects of a Vanguard-Funded HSA (via HealthEquity):

• Investment Options: You can choose from a lineup of low-cost Vanguard mutual funds, often considered ideal for long-term growth and retirement planning.
• Eligibility: You must have a High Deductible Health Plan (HDHP) to open and contribute to an HSA.
• Contribution Limits (2025):
   $4,300 for individuals, $8,550 for families, with a $1,000 catch-up contribution allowed for those aged 55 or older
  .
Triple Tax Advantage: Contributions are tax-deductible, earnings grow tax-deferred, and withdrawals are tax-free for qualified medical expenses.
Portability & Rollover: Unlike FSAs, HSA balances roll over year-to-year, and the account remains yours even if you change employers.
Retirement Strategy: After age 65, funds can be withdrawn for non-medical expenses without penalty, though they will be taxed as income.