How much should I contribute to my HSA?

You should always prepare for the unexpected by saving enough money in your HSA to cover your anticipated out-of-pocket medical expenses for the year (including those of your spouse and eligible dependents).

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An HSA is one of the most tax-efficient ways to save for qualified medical expenses…

Including those you may incur during retirement. If you can afford to save this money for the future, you may want to consider following similar long-term investing strategies as you do for other interest-earning accounts.HSA funds do not expire, and can stay in your account, where they can accrue interest, and can be used at any time*. You may also designate a beneficiary for your HSA, so you never have to use the funds if you do not need to or want to.