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So is there any reason make funding an IRA a priority over funding an HSA? Funding both is best, if one can afford to. But if you can only afford, say $4000 per year, which should you fund?

I clearly have not read enough about the HSA because wasn't the MSA an account that had to be used by year-end or the money was lost forever? Did they change that aspect with the HSA?

I would have to assume they have otherwise that would make this plan very unattractive. Unless of course you will have that many medical related expenses each year.

Clearly I need to do some reading on the HSA.

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