{"id":465,"date":"2023-08-14T12:00:00","date_gmt":"2023-08-14T12:00:00","guid":{"rendered":"https:\/\/moneywithkatie.com\/the-hsa-and-high-deductible-plan-are-cheaper-for-these-tax-brackets\/"},"modified":"2025-09-05T16:31:36","modified_gmt":"2025-09-05T16:31:36","slug":"the-hsa-and-high-deductible-plan-are-cheaper-for-these-tax-brackets","status":"publish","type":"post","link":"https:\/\/moneywithkatie.com\/the-hsa-and-high-deductible-plan-are-cheaper-for-these-tax-brackets\/","title":{"rendered":"In These Tax Brackets? The HSA + High-Deductible Plan Might be Cheaper for You [2025]"},"content":{"rendered":"<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<p class=\"\" style=\"white-space:pre-wrap;\">As anyone who\u2019s been in the same room as me when the topic of tax savings comes up knows, pre-tax investment vehicles are like my inner 12-year-old girl\u2019s Justin Bieber. If my husband would let me put up a poster on our bedroom wall of the US\u2019s tax-efficient trifecta (401(k), Roth IRA, HSA), I would.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">The HSA\u2014or Health Savings Account\u2014in particular is a wunderkind (not to be confused with the Flexible Savings Account, or FSA, which is \u201cuse it or lose it\u201d and doesn\u2019t roll over year-over-year). To spare you the longer diatribe, here are a few key points to know:<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">The HSA is different from the 401(k) as a tax savings vehicle because\u2014if you make payroll contributions\u2014<a href=\"https:\/\/www.bendhsa.com\/blog\/hsas-and-their-tax-benefits-for-employers#:~:text=Their%20HSA%20contributions%20are%20100,to%20income%20and%20FICA%20taxes.\" target=\"_blank\"><span style=\"text-decoration:underline\">you don\u2019t pay the 7.65% FICA tax<\/span><\/a> on them.<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">The HSA is the <a href=\"https:\/\/advisor.morganstanley.com\/the-fortis-group-10825236\/articles\/retirement\/HSAs-retirement-savings\" target=\"_blank\"><span style=\"text-decoration:underline\">only investment vehicle<\/span><\/a> that has the potential for funds to go in tax-free, be invested and grow tax-free, and come out tax-free, if they\u2019re used for qualified medical expenses.<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">If you don\u2019t end up using the money for qualified medical expenses, your HSA functionally <a href=\"https:\/\/hsastore.com\/learn-future-healthy-hsa-age-65.html#\" target=\"_blank\"><span style=\"text-decoration:underline\">morphs into an IRA<\/span><\/a> when you turn 65, making it a wonderful complement to your other retirement accounts later in life. (You\u2019ll pay taxes on your distributions like you would with a Traditional IRA if you don\u2019t use them for medical expenses, but there aren\u2019t any penalties for doing so.)<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Lastly, there are <a href=\"https:\/\/www.fidelity.com\/viewpoints\/wealth-management\/hsas-and-your-retirement#:~:text=For%20HSAs%2C%20there%20is%20no,and%20for%20years%20to%20come.\" target=\"_blank\"><span style=\"text-decoration:underline\">no required minimum distributions<\/span><\/a>! While the government might force you to begin taking withdrawals from your other pre-tax accounts after age 73 depending on the balance, the HSA isn\u2019t subject to these.<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" style=\"white-space:pre-wrap;\">COOL. So we\u2019re all on the same page about the HSA being a slept-on tax vehicle.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Now that we know that, let\u2019s talk about who\u2019s eligible: Certain people with high-deductible health plans.<\/p>\n<\/div>\n<hr \/>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<h2 style=\"white-space:pre-wrap;\">Should I get a high-deductible health plan just so I can have an HSA?<\/h2>\n<p class=\"\" style=\"white-space:pre-wrap;\">Well, maybe. As with all things financial, it depends\u2014but there\u2019s a framework that might help. (And it\u2019s worth stating explicitly: This discussion assumes your only concern when picking a plan is financial. If you have specific health concerns or doctors you need to make sure you can see in-network, then your health will of course be the number one priority!)&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">If you\u2019ve got an employer who will pay for all your medical expenses with no deductibles or premiums (shout-out to my past employer, Meta; Zuck, you\u2019re the realest for the totally free healthcare), then yeah\u2026I\u2019d probably take that deal 11 times out of 10.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">But what if you\u2019re presented with a smorgasbord of confusing options? A PDF packet so thick it makes your eyes water? <em>Then what?<\/em><\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">You might have a few choices\u2014some with high deductibles, and others with low ones. \u201c<a href=\"https:\/\/www.shrm.org\/topics-tools\/news\/benefits-compensation\/irs-gives-big-boost-to-hsa-hdhp-limits-2024#:~:text=Meanwhile%2C%20for%202024%2C%20a%20high,from%20%243%2C000%2C%20the%20IRS%20noted.\" target=\"_blank\"><span style=\"text-decoration:underline\">High-deductible<\/span><\/a>\u201d is defined by our #BoizAtTheIRS as any health plan with a deductible higher than $1,650 for a plan covering just you, and $3,300 for a plan covering your family.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Moreover, the maximum out-of-pocket costs for these plans are $8,300 for plans covering just you, and $16,600 (<em>gulp<\/em>) for family plans.&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">I don\u2019t know about you, but I\u2019d do some pretty questionable shit for a deductible as low as $1,650. Mine is $2,500 for a plan that just covers me, and my guess is that many of you will have access to a high-deductible health plan. (If you\u2019re like, \u201cWhat in God\u2019s green pastures is a deductible?\u201d, read this <a href=\"https:\/\/moneywithkatie.com\/blog\/how-im-budgeting-for-healthcare-in-the-united-states-in-the-least-frustrating-way\" target=\"_blank\"><span style=\"text-decoration:underline\">post<\/span><\/a> for a healthcare primer about premiums, deductibles, copays, and more.)<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">More often than not, a high-deductible plan will have lower monthly premiums than your alternate options. You can calculate your total maximum costs each year by adding up:<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">12 months of premium costs (i.e., what\u2019s being taken out of your paycheck to pay for the plan). If your insurance costs $200 per month, you know you\u2019ll pay at least $2,400 per year in premiums even if you never set foot into a doctor\u2019s office.<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Your out-of-pocket maximum (which is a limit that\u2019s higher than your deductible, because the insurance companies are excellent at coming up with convoluted ways to continue passing the buck to you after you hit your deductible). The silver lining is that it should represent the most you\u2019d possibly be on the hook for in a given year. (Key word: should. If you spend on services that your plan doesn\u2019t cover, that\u2019s not included in this limit.)<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" style=\"white-space:pre-wrap;\">Then, when you\u2019re debating between the low-deductible plan and high-deductible plans, you can ask yourself at a high level:<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Do I want to pay <strong>more<\/strong> per month but (probably) have a <strong>lower<\/strong> deductible and out-of-pocket maximum?<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">OR, would I rather pay <strong>less<\/strong> each month but (probably) risk it with the <strong>higher<\/strong> deductible and out-of-pocket maximum?<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" style=\"white-space:pre-wrap;\">Making matters more complicated (yay!), sometimes these plans involve varying \u201ccopays\u201d or \u201ccoinsurance\u201d that can make the analysis a little trickier.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">For example, Henah and I were comparing health plan options the other night and noticed this:<\/p>\n<\/div>\n<p>      <img decoding=\"async\" src=\"https:\/\/moneywithkatie.com\/wp-content\/uploads\/2023\/08\/unnamed282729.webp\" alt=\"\"\/><\/p>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<p class=\"\" style=\"white-space:pre-wrap;\">The plan on the far left, \u201cEmpire PPO 1000,\u201d is a low-deductible plan that costs $200\/month, but with paradoxically <em>higher<\/em> out-of-pocket maximums ($5,000 single\/$10,000 family) than the high-deductible plan\u2019s ($70\/month) out-of-pocket maximums ($3,425 single\/$6,850 family). <em>Huh?!<\/em> (Because the nomenclature might be confusing, it\u2019s worth clarifying that\u2014in the plans shown\u2014all three technically operate as PPOs, or preferred provider organizations. It\u2019s a <a href=\"https:\/\/livelyme.com\/blog\/hsa-vs-ppo\/\" target=\"_blank\"><span style=\"text-decoration:underline\">common misconception<\/span><\/a> that high-deductible plans can\u2019t be PPOs, but they aren\u2019t mutually exclusive.)<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">What gives? Aside from the fact that someone needs a PhD in data science to make sense of this chart, notice the \u201cPrimary Care Visit,\u201d \u201cSpecialist Visit,\u201d \u201cUrgent Care,\u201d and \u201cEmergency Care\u201d rows. The low-deductible plan has copays\u2014meaning you\u2019ll pay $20 a pop at your primary care doc, $40 at a specialist, $40 for urgent care, etc. for all <em>in-network<\/em> visits.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">And as a fun reminder, those copays <em>don\u2019t<\/em> count toward the plan\u2019s deductible\u2014but they do count toward your out-of-pocket maximum.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">The higher deductible plan in this example? Forget about copays altogether. You&#8217;re paying for everything out of pocket until you hit that deductible, honey (after which the listed 0% <a href=\"https:\/\/www.investopedia.com\/articles\/insurance\/120816\/coinsurance-vs-copay-why-you-need-know-difference.asp#:~:text=A%20copay%20is%20a%20set,your%20coinsurance%20kicks%20in%20fully\" target=\"_blank\"><span style=\"text-decoration:underline\">coinsurance<\/span><\/a> kicks in). Best of luck to you and your wallet! The good news, of course, is that the maximum (again, as long as you stay in-network) you\u2019ll be on the hook for in a given year with that example plan is $3,425 (just you) or $6,850 (family) after you pay your premiums. You\u2019re probably just <em>more likely to hit that deductible<\/em> than if you\u2019re using a low-deductible plan with copays for routine visits.&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">For example, if Henah\u2014who has the low-deductible plan\u2014goes to see an in-network primary care physician, she\u2019ll pay a $20 copay. If I go to see a primary care physician with the high-deductible plan, I\u2019ll pay whatever they charge for an office visit (usually in the ballpark of $150).<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">That said, every plan is different, but please enjoy our Slack conversation, which became a flurry of confusion and numbers. Here\u2019s a snippet of our Friday afternoon party in the DMs, where we panic-calculated cost-benefit analysis:&nbsp;<\/p>\n<\/div>\n<p>      <img decoding=\"async\" src=\"https:\/\/moneywithkatie.com\/wp-content\/uploads\/2023\/08\/unnamed282829.webp\" alt=\"\"\/><\/p>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<p class=\"\" style=\"white-space:pre-wrap;\">As you can see, the cost calculation in this example is:<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">High-deductible plan for an individual: $70\/month + a $3,425 out-of-pocket maximum per year in costs (unless something major happens, you\u2019re probably paying full price for everything out-of-pocket throughout the year) = <strong>Between $3,240 and $4,265 projected maximum cost<\/strong><\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Low-deductible plan for an individual: $200\/month + a $5,000 out-of-pocket maximum per year in costs, but with copays that\u2019ll likely cover routine stuff cheaply and a lower deductible ($1,000) you\u2019d need to hit before insurance would begin kicking in and covering 70% of costs until you\u2019ve spent $5,000 total = <strong>Between $3,400 and $7,400 projected maximum cost<\/strong><\/p>\n<\/li>\n<\/ul>\n<p class=\"\" style=\"white-space:pre-wrap;\">This example illustrates why people often instruct those who are \u201cyoung and healthy\u201d or who have very few predictable health-related expenses to go for the higher deductible plan, assuming they won\u2019t need to go to the doctor very often (or at all) and can use the insurance as protection against catastrophic health issues that would run up bills in the tens (if not hundreds) of thousands of dollars. <em>Slowly gestures to the podcast <\/em><a href=\"https:\/\/podcasts.apple.com\/us\/podcast\/the-money-with-katie-show\/id1589146097?i=1000553405198\" target=\"_blank\"><span style=\"text-decoration:underline\"><em>episode<\/em><\/span><\/a><em> about how backward the system is\u2026<\/em><\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">I digress.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">But that\u2019s not even close to where this analysis ends, because some high-deductible health plans have an ace up their sleeve, in <strong>the HSA<\/strong>.<\/p>\n<\/div>\n<hr \/>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<h2 style=\"white-space:pre-wrap;\">The HSA can be a game-changer, thanks to the tax savings<\/h2>\n<p class=\"\" style=\"white-space:pre-wrap;\">Because you won\u2019t pay any federal, state, or FICA taxes on payroll contributions to your HSA, you can pretty easily calculate the potential savings you\u2019ll gain (read: money that stays in your pocket instead of being sent off to Uncle Sam for his next highway improvement project) based on how much you earn.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Assuming you\u2019re able to invest the <a href=\"https:\/\/www.shrm.org\/topics-tools\/news\/benefits-compensation\/irs-gives-big-boost-to-hsa-hdhp-limits-2024\" target=\"_blank\"><span style=\"text-decoration:underline\">maximum amount<\/span><\/a> in your HSA ($4,300\/year for a health plan that covers just you, and $8,550\/year for one that covers your entire family in 2025), your potential tax savings are #thicc. In case you\u2019re like, \u201cThat seems like a lot of money, dude,\u201d it\u2019s roughly $165 per biweekly paycheck for the \u201csingle\u201d coverage and $329 per paycheck for the \u201cfamily\u201d coverage.&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">That still may sound like quite a bit, but I think of it like this: Would I rather pay more to an insurance company for a lower deductible, or pay less to them every month and pay myself more (in an HSA)? Depending on the difference in your monthly premiums and the shitty-to-decent gradient of your plan options, it may be pretty close.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Wondering how much you could stand to save in taxes from HSA contributions? I did the hard work for you; I took the marginal tax rate + 7.65% FICA tax to see how much you\u2019d save on your annual tax bill:<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">10% bracket saves $759 on the singles plan, $1,509 on the family plan&nbsp;<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">12% bracket saves $845 on the singles plan, $1,680 on the family plan&nbsp;<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">22% bracket saves $1,275 on the singles plan, $2,535 on the family plan&nbsp;<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">24% bracket saves $1,361 on the singles plan, $2,706 on the family plan&nbsp;<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">32% bracket saves $1,705 on the singles plan, $3,390 on the family plan&nbsp;<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">35% bracket saves $1,834 on the singles plan, $3,647 on the family plan&nbsp;<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">37% bracket saves $1,920 on the singles plan, $3,818 on the family plan&nbsp;<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" style=\"white-space:pre-wrap;\">(If you\u2019re not sure which tax bracket your taxable income falls into after accounting for deductions and such, you can check out the 2025 brackets <a href=\"https:\/\/www.irs.gov\/newsroom\/irs-releases-tax-inflation-adjustments-for-tax-year-2025\" target=\"_blank\"><span style=\"text-decoration:underline\">here<\/span><\/a>.)<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">For example, a family in the 24% bracket who contributes the full $8,550 each year will claw back $2,706 in tax savings, which can directly offset the costs of the insurance. Of course, it also means you have to be <em>able<\/em> to tie up that much money in your Health Savings Account, which isn\u2019t always realistic.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">This also doesn\u2019t take state tax savings into account, which could add even more money back into your pocket; notably, <a href=\"https:\/\/www.plansponsor.com\/in-depth\/employees-two-states-miss-one-hsa-benefit\/\" target=\"_blank\"><span style=\"text-decoration:underline\">California and New Jersey<\/span><\/a> don\u2019t recognize HSAs as pre-tax vehicles so you won\u2019t save on state taxes in either of these places. Womp womp. Good thing taxes in those states are so low! Oh, wait\u2026<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Time to pull it all together for the grand finale.<\/p>\n<\/div>\n<hr \/>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<h2 style=\"white-space:pre-wrap;\">The tax savings from investing in an HSA can help give the high-deductible plan an edge over the low-deductible plan<\/h2>\n<p class=\"\" style=\"white-space:pre-wrap;\">Let\u2019s do a quick example to drive home the point and revisit our earlier options.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Things look pretty neck-and-neck, especially when I consider the fact that the low-deductible plan\u2019s copays are likely to make each individual visit to the doctor very affordable (as opposed to being on the hook for $200 for a checkup wherein you accidentally ask one (1) specific question).&nbsp;<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">High-deductible plan has the potential to cost $840 in premiums + $2,500 deductible, or a combined <strong>$3,340<\/strong> (with a worst case scenario of $4,265). We\u2019ll assume it\u2019s probably pretty likely I\u2019ll be on the hook for at least the first $2,500 of my care in a given year.<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Low-deductible plan has the potential to cost $2,400 in premiums + $1,000 deductible, or a combined <strong>$3,400<\/strong> (with a worst case scenario of $7,400). Thanks to the copays, though, we can assume I probably won\u2019t be on the hook for routine care (beyond $20 or $40 here and there).&nbsp;<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" style=\"white-space:pre-wrap;\">But what if I\u2019m in the 24% tax bracket, and I\u2019m able to contribute the full $4,300 to an HSA that just covers me? That contribution gets added to the \u201cassets\u201d side of my balance sheet, increasing my net worth, and I save $1,361 on my federal tax bill, which means I\u2019m \u201cmaking\u201d an additional $1,361 that year\u2014lowering the net cost of paying for premiums and hitting the deductible in the high-deductible plan to <strong>$2,039<\/strong> (again, we\u2019re not counting the contribution to the HSA as a cost, since you\u2019re keeping that money\u2014it\u2019s not as much a cost as a cash flow consideration).<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Now, the difference between our two options is:<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">High-deductible plan\u2019s net cost to hit deductible: $2,039<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Low-deductible plan\u2019s net cost to hit deductible: $3,400<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" style=\"white-space:pre-wrap;\">So we\u2019d save $1,361 over the other plan\u2019s premiums and deductible\u2014is that worth the hassle? Well, remember, it\u2019s not just the up-front savings we\u2019re considering: <strong>It\u2019s the fact that these funds in your HSA are invested and will continue to grow tax-free over time, too.<\/strong> (As opposed to the low-deductible plan, where there\u2019s no associated investment vehicle, just potentially lower up-front costs.)<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Sometimes I feel like insurance plans are created by a bunch of MBAs in suits throwing darts at a spreadsheet, so it may not <em>always<\/em> work out this way\u2014but this example is intended to illustrate the framework for determining how much the tax savings <em>ma<\/em>y offset the higher deductible of a high-deductible plan, based on your specific plan options.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Put another way: Depending on your tax bracket and single vs. family coverage (assuming you\u2019ll contribute the maximum to your HSA), a high-deductible plan can cost more on the surface than a low-deductible plan, and still end up being net-cheaper.<\/p>\n<h3 style=\"white-space:pre-wrap;\">As complicated as access to healthcare in the US is, if we can view these questions like math problems, it can help us make a decision<\/h3>\n<p class=\"\" style=\"white-space:pre-wrap;\">The reason choosing a health plan is complicated (aside from the obvious; see previous unintelligible charts) is because we often don\u2019t know what type of medical expenses we\u2019re going to incur ahead of time, making the choice process uncertain and stressful (USA! USA!). But by calculating the \u201cabsolutes\u201d of maximum possible costs and factoring in our potential HSA tax savings, we can make a more informed decision.&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Or, we could move to Sweden. There\u2019s always Sweden.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>As anyone who\u2019s been in the same room as me when the topic of tax savings comes up knows, pre-tax investment vehicles are like my inner 12-year-old girl\u2019s Justin Bieber. If my husband would let me put up a poster on our bedroom wall of the US\u2019s tax-efficient trifecta (401(k), Roth IRA, HSA), I would. [&hellip;]<\/p>\n","protected":false},"author":178814,"featured_media":2426,"comment_status":"closed","ping_status":"open","sticky":false,"template":"si-template-single-post-healthcare-and-hsas.php","format":"standard","meta":{"footnotes":""},"categories":[37,35],"tags":[46,60],"class_list":["post-465","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-independence","category-investing-and-taxes","tag-healthcare-and-hsas","tag-popular-healthcare-and-hsas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>In These Tax Brackets? The HSA + High-Deductible Plan Might be Cheaper for You [2025] - Money with Katie<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/moneywithkatie.com\/the-hsa-and-high-deductible-plan-are-cheaper-for-these-tax-brackets\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"In These Tax Brackets? The HSA + High-Deductible Plan Might be Cheaper for You [2025] - Money with Katie\" \/>\n<meta property=\"og:description\" content=\"As anyone who\u2019s been in the same room as me when the topic of tax savings comes up knows, pre-tax investment vehicles are like my inner 12-year-old girl\u2019s Justin Bieber. If my husband would let me put up a poster on our bedroom wall of the US\u2019s tax-efficient trifecta (401(k), Roth IRA, HSA), I would. 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