Will my contributions affect any of my Individual Retirement Accounts (IRAs)?

No. HSA contributions are another way for you to save for your retirement via a tax-deferred path.

Coaches' Takeaway

No, your contributions will not affect your IRAs. Note that if an account owner uses the funds for non-medical purposes, ordinary income taxes must be paid on that amount, in addition to a 20% penalty. This amounts to an approximate 40–50% loss in value. However, if the money is withdrawn after the age of 65 for non-medical purposes, the account owner pays only the applicable tax without penalty.

Tools & Resources

CDHPCoach’s Storage Facility, where the Coach has organized and compiled a vast amount of tools and resources for you to access.


Housed here are key components and information within the book, Bend the Healthcare Trend which was the impetus behind the CDHPCoach.