The Triple-Tax-Free Account Most Workers Leave Empty: An HSA at 65 Works Like a Second 401(k), Without the RMDs

This financial analysis article explains the unique tax advantages of Health Savings Accounts (HSAs) for retirement planning, particularly after age 65. HSAs offer triple tax benefits: deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses. Unlike 401(k)s and IRAs, HSAs have no Required Minimum Distributions (RMDs), allowing balances to compound indefinitely. After age 65, non-medical withdrawals are taxed as ordinary income (like a 401(k)), while medical receipts from prior years can still be reimbursed tax-free. The article highlights that with healthcare spending reaching $3.7 trillion annually and personal saving rates falling to 4% in early 2026, HSAs are increasingly critical. It recommends drawing from taxable accounts first, then 401(k)s, and leaving HSAs to compound for later use. The piece also includes a sponsored promotion for a financial advisor matching service.