“An HSA has triple-tax advantages. IRS limits are:
Single: $4,300
($4,400 in 2026)
Family: $8,550
($8,750 in 2026)
Add $1,000 if age 55+

Retirement plans have double tax advantages. IRS limits are:
IRA limits in 2025: $7,000
IRA limits if 50+: $8,000

401k limit in 2025: $23,500
401k limits if 50+: $31,000
If age 60-63: $34,750”