Your HSA Could Pay Your Entire Retirement Healthcare Bill

Fidelity ran a study last year that found a healthy 65 year old couple retiring in 2025 can expect to spend about $345,000 on healthcare in retirement. That number is after Medicare. Most people with a health savings account treat it like a checking account for medical bills. They put money in for the deduction, leave it in cash, and drain it every December. If you have other money to pay those bills with, there is a more powerful way to use it. In this video I walk through what a health savings account actually is, who is eligible, what you can contribute in 2026, how it differs from an FSA, and how it fits into a retirement plan. Then I pull up a financial calculator and show you what the money can become if you leave it alone. I am Brennan Decima, a CERTIFIED FINANCIAL PLANNER and the owner of Decima Wealth Consulting. Over the last two decades I have helped thousands of families navigate retirement. If you want help building a plan so healthcare costs do not derail the work you have put in, the link to my calendar is below. Chapters 0:00 The $345,000 number 0:47 What people are actually worried about in retirement 1:10 Where the HSA fits 1:35 What this video covers 1:47 What a health savings account is 1:58 The three tax advantages 3:09 Why it should be treated like a Roth 3:43 Who is eligible to contribute 4:44 HSA versus FSA 5:44 2026 contribution limits 6:12 How much to invest and how much to keep in cash 6:35 An example in a high tax bracket 7:02 Strategy one, cover the deductible 7:38 What the S&P 500 has averaged 8:00 Running the numbers on a calculator 8:50 Putting it against the Fidelity projection 9:11 If you are in a lower tax bracket 9:42 What if you stay healthy and never need it 9:54 What counts as a qualified medical expense 10:28 Using the money after 65 11:22 Working together CONNECT WITH BRENNAN: Learn more: https://decimawealth.com Schedule a conversation: https://decimawealth.com/contact-us/ Subscribe for more:    / @decimawealth   ABOUT THIS CHANNEL: Brennan Decima is a Certified Financial Planner and owner of Decima Wealth Consulting. This channel covers retirement planning, estate planning, and tax reduction built to help you create a retirement that's financially secure and genuinely fulfilling. The content provided is for informational purposes only and does not constitute tax advice. Brennan Decima is not a licensed tax professional. For guidance specific to your tax situation, please consult a qualified tax advisor or accountant. Investments are subject to various risks, including market fluctuations, regulatory change, possible delays in repayments and loss of income and principal invested. The value of investments can fall as well as rise and you may not recover the amount originally invested at any point in time. Furthermore, substantial fluctuations in the value of the investment are possible even over short periods of time. Investment Advisory Services offered through Csenge Advisory Group, LLC, a registered investment advisor. Decima Wealth is not affiliated with Csenge Advisory Group, LLC. #HSA #HealthSavingsAccount #RetirementPlanning