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

Retirement plans have double tax advantages. IRS 2026 limits are:
IRA limits: $7,500
IRA limits if 50+: $8,600

401k limit: $24,500
401k limits if 50+: $32,500
If age 60-63: $35,750”