For years, retirement plans have been the primary tool employers and employees have used to save and prepare for retirement. Back in 1995, retirement plans surpassed pension plans as the predominant vehicle for retirement savings and have never looked back. However, one of the biggest weaknesses of the retirement plan is its lack of special treatment for dollars used to pay for health care expenses. When you consider that health care costs increase s we age, this might be the Achilles heel of retirement plans. With the arrival of the Health Savings Account (HSA), employees now can plan for these future expenses in a special, tax-advantaged way.

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