US 2028 HSA Investment Growth

HSA 2028 strategy: contribute, invest, don't withdraw. Triple tax-free. After 65 non-medical withdrawals taxed like traditional IRA (penalty-free).

Annual HSA contribution ($)

Years contributing

Annual return %

Marginal bracket %

30-Yr FV

—

Tax Savings

—

Total contributions	—
Future value	—
Tax saved upfront	—

Health Savings Account (HSA) strategy: contribute the maximum ($4,400 self / $8,850 family 2028 projected), invest aggressively (S&P 500 index), don't withdraw until retirement. Triple tax-free: deductible contribution + tax-free growth + tax-free medical withdrawal. Best retirement vehicle if don't need funds for medical.

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Last updated May 2026. Sources: IRS Pub 969.