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Reply to "What's your ideal target for an HSA?"
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[quote=Anonymous][quote=Anonymous]Is there a downside to accruing a high balance? What if you stay relatively healthy in retirement? (Or die on the younger side due to an accident or something). Had for me to understand what $2M would be used for if you don’t need a home health aide or expensive medical intervention. [/quote] There is no real harm. After the second spouse dies, it comes a taxable inheritance to kids. So they pay tax on it and keep the rest. It’s no diffferent than if you never had an HSA and paid income tax on that money over your life, rather than tax sheltering it. Obviously the better option is spending it on things that qualify. And the list of things that qualify is much less restricted after age 65.[/quote]
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