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22.07.2014 admin
These are some of the images that we found within the public domain for your "Blue Star Ambulance" keyword. We have provided the original source link for you to also credit the image(s) owner as we have done here. HSA’s force you to consider the cost of medical procedures and insurance only comes into play when you truly need it(ie a catastrophic event). There are lots of reasons to not like paying taxes but an HSA is the only answer I’ve found to truly(and legally) avoiding taxes. So let’s say I pay for $1,000 worth of medical expenses in 2014 with regular after tax dollars instead of my HSA money. Reader GP told me that he doesn’t have many medical expenses but when he does he pays for them with his HSA. If he has a decent emergency fund, he could actually invest the entire amount and pay himself back should any large medical expenses come up. Let’s assume that GP invests his entire 10k HSA balance but has $2k in medical expenses this year. In reader GP’s case, I advised him to invest in a total market index fund(like VTI) and an inexpensive bond fund or even a target date retirement fund.
You can do partial or full transfers(trustee to trustee) from your employer’s HSA plan to ElfCU as many times as you want in a given year.


If I was in a recognized state, I’d probably keep it simple and invest in a total market stock fund like VTI(70%) and a total market bond fund like BND(30%). Are you considering opting out of your employer’s PPO plan to buy an HSA plan on your own? The money you put into an HSA is tax free, the money you take out is tax free and your investment gain is tax free.
That leaves $1,000 in my HSA that will grow to $7,612 over 30 years(assuming 7% growth) and in 30 years I can withdraw that original $1,000 tax free(and spend it on whatever I want) and use the other $6,612 to pay for my medical expenses in retirement(again, tax free!). GP can wait until he has contributed $2k into his HSA again(through payroll and employer contributions over the course of this year and next year) and withdraw that money or he could wait until his investments are at a gain and sell part of those and pay himself back that way. But if you are treating your HSA as a long term investment vehicle, you should invest it accordingly.
I take a little less risk with my HSA but any asset allocation that’s age appropriate will work just fine for your HSA.
Most employer offered HSA plans have horrible investment options so you probably want to avoid investing there at all cost. If your employer’s HSA plan does charge a fee for doing a transfer you can do a self-rollover once a year for free. I don’t take any money out for medical expenses, I just pay out of pocket and let the money grow tax-free to be used at a later date.


Remember, even if you don’t end up spending the money in your HSA on medical expenses you can still withdraw the money after the age of 65 just like a normal 401(k). In this case, I advised GP to keep a small buffer in cash(equal to his deductible) and invest the rest. One thing to keep in mind is that if you live in an HSA taxable state like California you will have to pay state taxes on the investment gains(in addition to contributions).
I also think we’re going to need more of it as we get older(duh!) so why not plan for it now? I like companies that offer low or no fees, no minimum balance requirements and free investing. Fidelity estimates that a 65 year old couple retiring in 2013 would need $220,000 to cover their medical expenses for the rest of their life time. You have to find one that meets your needs best and doesn’t cost you an arm and a leg. They have no fees whatsoever and they allow you to invest in commission free ETF’s through TD-Ameritrade.




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