An HSA is a personal savings account just for healthcare costs. You can only contribute if you have a high-deductible health plan (HDHP), but the money is yours—even if you change jobs, retire, or switch insurance.

 Why are HSAs so powerful? They offer a triple tax advantage:

1. Contributions are tax-deductible.

2. Money grows tax-free.

3. Withdrawals are tax-free if used for qualified medical expenses.

Even with Medicare, healthcare costs can catch many retirees by surprise. That’s why understanding Medigap—also known as Medicare Supplement Insurance—is so important.

Medigap is private insurance that helps pay for healthcare costs not covered by Original Medicare (Parts A & B), such as copayments, coinsurance, and deductibles. It’s designed to “fill the gaps” in your Medicare coverage, so you’re not left footing big bills when you need care most.