Once you fully fund your deductible, you can continue setting money aside tax-advantaged money for your annual deductible. Since the H.S.A. monies you save are yours and they roll over from year to year they can add up pretty quick.
Example: In 2018 you have a $2400 annual deductible and you set aside $200 per month in your H.S.A. You only go to the doctor two times this year at $90 per visit (cash discount). You set aside $2400 and you only spent $180, so you start 2019 off with $2220 in your account. If you keep putting $200 per month in your H.S.A. account at the end of 2019, you will have $4620 in your account and only have a $2400 deductible. If you choose a bank account that has investment options, you can move some of the money into investments with better returns than checking account or savings account.
Once you have built up more money than what you may need to meet your deductible you can move the additional money into a tax-qualified mutual fund or other investment vehicles. You will want to choose a Bank that offers you investments options above that of a basic savings or checking account.
One source we found helpful in comparing H.S.A. bank accounts is depositaccounts.com they have 66 banks listed in the order form the highest interest rates to the lowest rates. The website also gives you the ability to sort the rates based on how much money you think you will have in the account.
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