IRC §223 cited · 2026 limits

HSA Triple Tax Advantage

Deduct now. Grow tax free. Withdraw tax free for medical. The only triple advantage in the code.

HDHP coverage type

Your age

Marginal tax rate now (%)

Years until you need the money

Expected annual growth (%) if invested

Your HSA optimization

Max Contribution

2026 limit

Tax Saved Today

Above-the-line deduction

Value in 20 Yrs

Tax free if medical use

Strategy loading...

Catch-up contribution (age 55+): $0. Per IRC §223.

Have us optimize your HSA + tax return →

Estimates only. 2026 amounts: $4,400 self / $8,750 family, plus $1,000 catch-up at age 55+. Must be enrolled in qualifying HDHP. State tax treatment varies by state. Have us run the real numbers. Phone 689-331-5723.