The IRS originally announced back in early 2017 that the 2018 HSA contribution limit for family coverage would be $6,900. Then Congress passed a new law in December 2017 that changed how inflation adjustments are calculated, effective in 2018. Based [...]
2017 2018 2019 HSA Contribution Limits
The contribution limits for various tax advantaged accounts for the following year are usually announced in October, except for HSA, which come out in April or May. The recent tax law also changed how the limits adjust for inflation. When the IRS [...]
Best HSA Provider for Investing HSA Money
[Updated after TD Ameritrade made changes to its list of commission-free ETFs, which affected HSA providers that links to a TD Ameritrade account for investments.] When I first started my Health Savings Account (HSA), I decided to just use the [...]
TD Ameritrade Commission-Free ETFs Going Much Worse
Since 2010, TD Ameritrade offered commission-free trades on a list of 101 ETFs. Because those ETFs were selected by Morningstar, they had a level of objectivity. The list included over 30 ETFs from Vanguard and over 40 ETFs from iShares, the two [...]
One-Time Transfer From IRA To HSA: Forget About It
A reader asked me about the once-in-a-lifetime transfer from an IRA to an HSA, officially known as the qualified HSA funding distribution. It's one of those things that just because you can doesn't mean you should. In all likelihood you are better [...]
Do The Math: HMO/PPO vs High Deductible Plan With HSA
Some companies offer only a high deductible health plan these days. Many other companies still offer both a high deductible health plan and at least one low-deductible traditional health plan. When the employee's share of the health plan premium is [...]
HSA Transfer To Saturna Brokerage Services
When I did the paperwork to move part of my IRA from Vanguard to a credit union, I also did the paperwork to move my Health Savings Account (HSA) to Saturna Brokerage Services. My previous HSA provider requires a minimum balance in a low-yielding [...]
Not All High Deductible Plans Are HSA Eligible
As you may know, in order to contribute to a Heath Savings Account (HSA) you need to be in a High Deductible Health Plan (HDHP) and you can't have other health coverage. Many people don't realize that just having a high deductible isn't by itself [...]
Leave Some Money On The Table
I said this a few times in my replies to comments on different posts. I'd like to put it in a separate topic for everyone. What I observed is a tendency among some people to over-optimize, in other words trying to wring out every last drop. It's [...]
