Core Insights - High-deductible health plans (HDHPs) offer a unique advantage through Health Savings Accounts (HSAs), which can serve as a valuable retirement savings tool [1][2] Key Features - HSAs allow contributions to roll over year to year, enhancing their utility for retirement planning [5] - For 2025, individuals can contribute up to $4,150 to an HSA, while families can contribute up to $8,300, with an additional catch-up contribution of $1,000 for those aged 55 or older [6] - HSAs provide tax benefits, including tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses [8] Retirement Account Potential - HSAs can be utilized as retirement accounts, allowing individuals to invest funds and potentially grow their savings through compound interest [7][10] - The ability to keep the account regardless of job changes or health plan transitions adds to the portability and attractiveness of HSAs [8]