HSA Trends - Older workers typically hold the largest HSA balances [1] - Older workers contribute and withdraw more from HSAs [1] - Medical costs typically grow with age, impacting HSA activity [1]

HSA Overview - An HSA is a savings account designed for medical expenses [1] - It necessitates a high-deductible health plan [1] Financial Benefits - Offers tax-free contributions and withdrawals [1] - Potentially saves money long-term [1]

Tax Advantages - HSA contributions are not subject to federal income tax [1] - Withdrawals for qualified medical expenses are also tax-free [1] - Earnings accumulate tax-free, providing a potential investment incentive [1] HSA Strategies - The report highlights 3 strategies to maximize the potential of an HSA [1]

Company Information - Fidelity Brokerage Services LLC is a member of NYSE and SIPC [1] - The company's address is 900 Salem Street, Smithfield, RI 02917 [1]