View Full Version : HSA vs 401k


azwyo
I have a health savings plan and contribute $70/mth. In my family there is only my husband and I so we really don't have many medical expenses. I understand that the money is for paying medical expenses with pre-taxed dollars but recently I have been thinking it would be better to put the money into my 401K. So, my question is wouldn't it be better to put the money in my 401k account?

jIM_Ohio
Use both.

Use 401k up to match
Many companies will subsidize HSA contributions too.

One benefit to HSA is that withdraws are also tax free. It reduces taxes going in and is tax free coming out. Not much better than that.