 TITLE: What Is a Health Savings Account (HSA)? CONTENT: An Important Part of Your Emergency or Retirement Planning\n----------------------------------------------------------\nIt's almost a certainty that you, your spouse or a dependent will have a qualified medical expense at some point in the future. If you think an HDHP makes sense for your household, opening and contributing to an HSA offers tax-advantaged savings with only a few downsides.\nKeep detailed records of all your qualifying expenses once you open your account, and if you need money from your HSA you can use it. Otherwise, you can use your HSA as an emergency fund, let the account accrue interest and use those receipts to tap the HSA later. Or, you can invest the funds and take advantage of the tax-free growth as part of your retirement plan. END