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Bridging the Gap

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Participating in an HSA Thumbnail

Participating in an HSA

Health Savings Accounts, or HSAs, are tax-advantaged accounts designed to encourage saving and preparing for future medical expenses. They encourage people who are paying lower health insurance premiums by being covered by an HDHP to direct some of the money they otherwise would have used on a more expensive plan's premiums to future expenses.

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Nondeductible IRAs - Not Very Tax-Advantaged Thumbnail

Nondeductible IRAs - Not Very Tax-Advantaged

Nondeductible IRA contributions are similar to a Roth IRA in the sense that contributions are made after tax in both cases. The huge and extremely important difference is that the earnings on nondeductible contributions to a Traditional IRA are fully taxable at distribution, while the earnings on Roth IRA contributions are tax-free.

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Are HSAs Worth it in California? Thumbnail

Are HSAs Worth it in California?

HSAs are often touted as the best tool for tax deferral since if contributions are made by payroll deduction, they aren’t subject to federal income tax or payroll taxes. But in California (and New Jersey), HSA contributions aren’t exempt from state income tax.

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