Finance on the Fly with Rizek Housari CPA, CFP®

Healthcare Costs in Retirement: How to Use HSAs to Save Big on Taxes


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Healthcare might be one of your biggest expenses in retirement—but it can also be one of your biggest tax-saving opportunities.

In this episode, we explore how to plan for rising healthcare costs without derailing your retirement plan, and how to take full advantage of Health Savings Accounts (HSAs)—one of the most powerful and underused tax shelters available.

💡 You’ll learn:

  • What healthcare expenses to expect in retirement

  • How HSAs work—and why they’re better than Roth IRAs for certain costs

  • Tax-free growth, tax-free withdrawals, and how to maximize both

  • Why you should avoid touching your HSA until retirement

Smart healthcare planning isn't just about coverage—it's about controlling costs and leveraging tax-efficient tools.

📘 Based on strategies from Rizek Housari’s book Finance on the Fly: Simple Strategies to Build Lasting Wealth.

Disclaimer: This podcast is for informational purposes only and does not constitute financial, legal, or tax advice. Please consult your advisor before making financial decisions.

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Finance on the Fly with Rizek Housari CPA, CFP®By Rizek Housari