Dr. Jackie Meyer makes no secret of the fact that HSAs are one of her favorite strategies in the entire tax code.
Deduction upfront, tax-free growth, tax-free distributions. It's one of the only accounts that does all three — and the 2025 contribution window is still open until April 15, 2026.
In this segment she walks through the personal decision to switch her own family to a high deductible health plan, why the out-of-pocket difference is usually smaller than people expect, and what the actual savings look like at a 32% bracket.
Traditional IRA limits for 2025 are $7,000 ($8,000 if you're 50 or older). At 32%, maxing those out saves $2,240 to $2,560.
HSA limits are $4,310 for self-only coverage and $8,550 for families, with a $1,000 catch-up for anyone 55 or older. Max out a family HSA at 32% and that's $2,736 in tax savings on money that also compounds completely tax-free.
These are some of the simplest moves still available for 2025 and the deadline hasn't passed yet.
This is a clip from the full OBBBA webinar. Watch the recording here: https://www.taxplaniq.com/obbba-changed-everything-about-2025-returns-heres-what-you-need-to-know-before-april-15-recording
Drop your questions in the comments.
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