Set up & max your HSA
Check you’re eligible, find your contribution room, and use the only triple-tax-advantaged account in the US tax code the way the pros do.
Check you’re eligible
An HSA needs a qualifying high-deductible health plan — and no Medicare or being claimed as a dependent. We check the boxes for you.
Step by step
The same journey, written out — so you can read it at your own pace.
- Check you’re eligible
An HSA needs a qualifying high-deductible health plan — and no Medicare or being claimed as a dependent. We check the boxes for you.
- Find your contribution room
We take the 2026 limit for your coverage, subtract anything your employer adds and what you’ve put in already, and show your headroom.
- The triple advantage
Deductible going in, tax-free growth, tax-free withdrawals for medical costs. Through payroll you dodge FICA too — that’s the tax saved this year.
- Invest it — and keep the receipts
Invest the balance for tax-free growth and save your medical receipts to reimburse yourself any year. After 65 it works like a traditional IRA.
Common questions
What if I don’t spend it on medical costs?
Before 65, non-qualified withdrawals are taxed plus a 20% penalty. After 65 there’s no penalty — you just pay income tax, exactly like a traditional IRA — so an unspent HSA is never wasted.
HSA or FSA?
An HSA is yours for life, rolls over and can be invested; an FSA is mostly use-it-or-lose-it and tied to your employer. With a qualifying HDHP, the HSA almost always wins — the planner shows the difference.
Make the most of your HSA
Check eligibility, find your contribution room and model the HSA against your 401(k) and IRA in AI TaxPilot.
Plan my HSAThis guide is general information, not personal tax advice, and reflects the rules we believe to apply as at June 2026 — rates and thresholds change. Always check your own figures against the IRS and consider a qualified adviser before acting. You remain responsible for the accuracy of anything you file.
Go deeper
The full guides and articles behind this journey.
Deductible going in, tax-free growth, tax-free withdrawals. The most under-used account in US tax — used right, it can beat your 401(k).
401(k), IRA, HSA and the rest — limits, phase-outs, the SECURE 2.0 super catch-up and OBBBA changes for 2026.
The 0/15/20% rates, the unindexed 3.8% NIIT, qualified dividends, the wash-sale rule and tax-loss harvesting.
More flight plans
File your Self Assessment
From a blank return to filed-with-HMRC in one sitting — your figures pulled in, the maths checked, the SA100 submitted.
Build & file your company accounts
Turn a year of bank transactions into FRS 105 micro-entity accounts and file the iXBRL to Companies House — without a spreadsheet in sight.
File your Corporation Tax (CT600)
Carry your accounts into the CT600, let us handle marginal relief and the adjustments, and file the return plus computation to HMRC.