Powering how Americans save, spend, and invest in health Copyright © 2026 HealthEquity, Inc. All rights reserved. | HealthEquity does not provide legal, tax or financial advice. Investor presentation 1 #1 HSA provider 1 in 4 HSAs in the US are with us +100k clients 200+ Network partners 10.1M HSAs +6% YoY $34.4B HSA assets +15% YoY 17.3M Total Accounts +5% YoY Source: HealthEquity key metrics reported as of Oct 31, 2025. #1 HSA by number of accounts based on 2025 Midyear Devenir HSA report, October 9, 2025. ...

If you are in your 50s, retirement may seem a long way off. You’re secure in your career, you may be in or approaching the empty-nest phase, and you’ve probably made significant progress toward paying off big debt like a mortgage. It might feel like you can finally breathe a little bit. But retirement is coming faster than you think, and your 50s are the best time to prepare. According to Fidelity, there are 10 things you can do in your 50s to make sure you’re ready when the time comes to leave the workin ...

Key Points Don't forget about catch-up contributions. Invest your money so it's able to grow. Know how the rules change -- for the better -- once you turn 65. The $23,760 Social Security bonus most retirees completely overlook › If your goal is to save money in a tax-advantaged manner, there are a number of different accounts you can look at. A traditional IRA or 401(k), for example, allows you to make pre-tax contributions, and your investments get to grow on a tax-deferred basis. With a Roth 4 ...

The rise in Medicare premiums and deductibles will be offset by a cap on drug prices. The Inflation Reduction Act of 2022, championed by then-President Joe Biden, places a $2,000 annual cap on overall prescription drug costs, representing potentially huge savings for retirees.If you have a high-deductible health plan, you likely have access to a health savings account. Take full advantage of it. In 2026, HSA contribution limits are $4,400 for individuals and $8,750 for family coverage, with an extra $1,000 ...

The IRS sets and adjusts FSA limits annually for inflation . Some employers can set lower limits for their own plans. Married couples can contribute to their own plans to meet a combined household limit.You can't use an FSA with a marketplace health insurance plan. (You can use an HSA with a marketplace plan, though.)There are certain rules you need to know about FSAs:Since an FSA uses pre-tax dollars, it lowers your taxable income. The money you put into your FSA is not subject to income taxes. You can mak ...

Hall said, "Social Security has a cost-of-living adjustment [that] keeps up with inflation. Our investments will also adjust over time if we keep some growth in the mix. The real lever is spending. When prices bite, pull back on nonessentials. Maybe fewer big trips for a season. Maybe different choices than what you have always done. Keep core bills matched to steady income and let the portfolio work."We don’t marry a 3% or 4% rule [for the percentage of your retirement funds to withdraw each year ]. We set ...

Core Insights - The article emphasizes the importance of proactive wealth growth strategies for the upcoming year, encouraging individuals to take their investment journey seriously [1][2] Group 1: Investment Strategies - Marking deadlines for wealth-growing opportunities is crucial, such as maximizing retirement contributions for 2025, including 401(k) and 403(b) plans [3][4] - It is advised to contribute at least up to the employer match in retirement accounts to benefit from free money [4] - Diversified, low-cost index funds like those tracking the S&P 500 or Nasdaq-100 are recommended for appropriate investment in retirement accounts [4] - Contributions to health savings accounts (HSAs) are highlighted as a powerful investment tool, being tax-deductible and capable of growing tax-free [5] Group 2: Timing and Action - Investors are cautioned against waiting for the "perfect" time to invest, as the cost of inaction can outweigh the risks of starting with an imperfect strategy [6][7] - The article stresses that time in the market is more beneficial than trying to time the market, urging individuals to avoid being sidelined by market fears [7] Group 3: Financial Advisors - The importance of finding a trustworthy financial advisor is underscored, as not everyone is expected to have comprehensive knowledge of investing and financial markets [7]

Tax season always feels like a scramble. You’re hunting for receipts, trying to remember if that donation counts and wondering if you’re leaving money on the table. Chances are, you probably are. Many taxpayers miss valuable deductions simply because they don’t know they exist or assume they don’t qualify. Here are 10 commonly overlooked tax deductions and credits that could save you hundreds or even thousands in 2026. 1. HSA Contributions If you have a high-deductible health plan, contributing to a he ...

Group 1 - Out-of-pocket medical expenses are only deductible if they exceed 7.5% of adjusted gross income (AGI), and prepaying medical appointments could help exceed this threshold [1] - Charitable donations can be timed to maximize tax deductions by bunching several years of donations into one year, helping to clear the itemization limit [2] - Prepaying January mortgage payments can allow for interest deductions on the 2025 tax return, similar to property taxes [3] Group 2 - The standard deduction for 2025 has increased to $15,750 for single filers, $31,500 for married filing jointly, and $23,625 for head of household, making it beneficial to itemize if expenses exceed these amounts [4] - The end of the year is a critical time for making tax moves to increase refunds or reduce tax bills, with many credits and deductions having a December 31 deadline [5] - Correcting withholding errors before the final paycheck of the year can help avoid unexpected tax bills [6] Group 3 - Contributions to retirement accounts like traditional IRAs or 401(k)s can lower taxable income, providing immediate tax benefits [7] - The 2025 contribution limit for 401(k)s is $23,500 for those under 50, with catch-up contributions available for those over 50 [8] - Traditional IRA contributions can reduce taxes depending on income, while Roth contributions do not provide immediate tax benefits but allow for tax-free withdrawals in retirement [11] Group 4 - Health Savings Accounts (HSAs) allow tax-free contributions for medical costs, with limits of $4,300 for individuals and $8,550 for families in 2025 [12] - Flexible Spending Accounts (FSAs) require careful management as unused funds are typically forfeited, necessitating their use by December 31 [13] - Tax-loss harvesting can offset capital gains, but care must be taken to avoid the wash-sale rule [14][15] Group 5 - Adjusting tax withholding and estimated payments is crucial in the final weeks of the year to avoid underpayment penalties [17][18] - Self-employed individuals can manage their tax bills by timing income and expenses, such as deferring income until the next year [26] - Business expenses paid before year-end can reduce taxable income for self-employed individuals, with Section 179 allowing for significant deductions [25] Group 6 - Tax credits, such as those for energy efficiency improvements and electric vehicles, require action before the year ends to maximize benefits [34][36] - The American Opportunity Tax Credit and Lifetime Learning Credit for education expenses can provide significant savings if tuition is paid before year-end [37] - December is a crucial month for tax planning, with opportunities to boost refunds through strategic financial moves [39]

Key Points - The article discusses important changes in retirement savings plans as 2026 approaches, focusing on IRA, 401(k), and HSA limits, as well as implications for higher earners [1] Group 1: IRA Changes - IRA contribution limits will increase in 2026, allowing savers under 50 to contribute up to $7,500, while those 50 and older can contribute a total of $8,600, which includes an $1,100 catch-up contribution [2][3] Group 2: 401(k) Changes - 401(k) contribution limits will also rise in 2026, with the maximum contribution for savers under 50 increasing to $24,500, and for those 50 and older, the total allowable contribution will be $32,500, including an $8,000 catch-up contribution [4] - A new super catch-up option will allow savers aged 60 to 63 to contribute an additional $11,250, bringing their total limit to $35,750 [5] - Starting in 2026, higher earners (those earning over $145,000) will only be able to make 401(k) catch-up contributions through a Roth 401(k) [6] Group 3: HSA Changes - HSA contribution limits will increase in 2026, allowing individuals with self-only coverage to contribute up to $4,400 and those with family coverage to contribute up to $8,750. Additionally, individuals aged 55 and older can make a $1,000 catch-up contribution [9]