Episode #165
9 Things You Can Do With Your HSA in Retirement (And What You Can’t)
So you have a large HSA in retirement, but what can you really do with it? HSAs are perhaps the most tax-advantaged account out of them all... Better than IRAs and Roth IRAs because an HSA is triple-tax advantaged. You get to deduct contributions from your income, the account grows tax-free, and you can take money from the account tax-free for qualified medical expenses. But in retirement, there are a few other things that you can use an HSA for and that's what I cover in this episode. Work With Us: https://www.rivertreewealth.com/get-started ✅ Get your Important Numbers 2026 PDF here: https://www.rivertreewealth.com/2026-important-numbers Email: jacob@rivertreewealth.com Website: https://www.rivertreewealth.com LinkedIn: https://www.linkedin.com/in/jacobduke Jacob Duke, CFP, MBA is the founder of Rivertree Wealth and the host of the Retirement Answers podcast. DISCLAIMER: This should not be taken as tax, legal, or investment advice. All content is for educational purposes only. Tune to find out: 00:00 HSA Questions 01:11 HSA Basics 01:47 Contribution Limits Rules 03:30 Investing Tax Benefits 04:40 Everyday Medical Costs 05:41 Paying Medicare Premiums 07:00 LTC Insurance Premiums 11:42 LTC Care Services 12:50 Save Receipts Strategy 14:48 Cover Family Expenses 16:27 COBRA And Unemployment 19:23 What Changes at 65 21:40 What Use Your HSA For 23:49 HSA Inheritance Rules 25:52 Wrap Up
