An Asset Allocation For Your Health Savings Account
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You are unlikely to need funds for any long-term care episode until about age 85. Given the long time horizon, we suggest investing your HSA for appreciation.

Radio Interview: Health Savings Accounts
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David John Marotta was interviewed on radio’s The Schilling Show discussing Health Savings Accounts and the recent Healthcare bill passed by Congress.

Invest Your Health Savings Account For Appreciation
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HSAs have so many advantages over traditional IRAs that you should continue funding your HSA as long as possible and build as large an HSA investment balance as you can.

When Partial-Year HSA Contribution Limits Don’t Apply
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Under the “last-month rule,” you can contribute the full amount even after a partial year assuming you meet the “testing period.”

Qualified HSA Funding Distribution
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There is an obscure tax rule that allows a one-time Traditional IRA-to-HSA conversion called a Qualified HSA Funding Distribution (QHFD).

Nine Unfortunate Facts of Health Savings Accounts
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An HSA is one of many accounts used in comprehensive wealth management for tax optimization and planning.

When Should You Stop Funding Your HSA?
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You’ve opened your HSA and funded it for several years. When should you stop funding it?

The Lowdown on HSAs ($ ?s)
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Q: It’s annual enrollment time, and my employer is now offering a health insurance plan with a $3,500 deductible and otherwise similar benefits as an alternative to our conventional HMO health plan. What do you recommend I do?

Video: Health Savings Accounts
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Employers and employees alike are feeling the squeeze of swelling health care costs. According to the Kaiser Family Foundation, health insurance premiums have risen at an average rate of 12 percent per year since 2000. Unable to keep up with rising premiums, employers are forced to pass on costs to employees, to trim benefits, or worse yet, to dump the coverage all together.

The High Cost of Medical Benefits
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Here is a rule for building stable economic systems: Who pays for a service and who is empowered to decide if a service should be given and who actually benefits from the service should all be the same person.

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