Скачать или смотреть HSA’s Can Buy Real Estate. How to do it RIGHT.

HSA’s are quite possibly one of greatest tools in the market place. The only triple tax benefit account around. Watch video to learn where to start looking.

The HSA is possible if you have a high tax deductible plan in your employer benefits. Once you elect that you can opt in to the HSA through payroll deduction, or my preferred option:

Decline employer payroll deduction and open a self directed HSA at say Fidelity. Then you have control of whenever you want to put money (don't have to wait per pay period like payroll), and you can buy any investment you want. Same options as an IRA. This is why I love the self directed. If you stuck with employer benefits you would only have access to limited mutual funds, but they usually have a $1,000 minimum before acquired, so until you have $1,000 from payroll your money sits. Misses the Dollar cost average.

You can even use the money to purchase an investment property, or loan money through promissory notes. The more you know will help you grow your assets.

You can keep funding an HSA every year, get a tax deduction, tax deferred growth, and withdrawal tax free money for qualified medical expenses in the future. Unlike an FSA it't not a use it, or loose it. You can let your HSA continue to grow year after year.

Not Advice. Entertainment and perspective.

An HSA — or Health Savings Account — is a tax-advantaged savings account designed to help people with high-deductible health plans (HDHPs) pay for qualified medical expenses.

📌 Key Features of an HSA
Triple Tax Advantage:

Contributions are tax-deductible (or pre-tax via payroll).

Growth is tax-free (interest, dividends, capital gains).

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

Portability — The account is yours even if you change jobs or retire.

Contribution Limits (2025):

Individual: $4,300

Family: $8,550

+$1,000 catch-up if age 55 or older

Funds roll over year to year (no “use-it-or-lose-it” rule like FSAs).

🛑 Can an HSA Buy Real Estate?
Directly? No.
You cannot use an HSA to buy a house, rental property, or land for personal or investment purposes — that’s outside the definition of qualified medical expenses under IRS rules (IRC § 223).

Indirectly? Maybe — if it’s medical-related.

If you set up a self-directed HSA (through a custodian that allows alternative assets), you could invest HSA funds into certain types of real estate — but only if it’s:

Related to medical use (e.g., medical office building as an investment asset of the HSA)

Complies with IRS prohibited transaction rules (can’t be for personal use, can’t benefit you or certain family members directly, can’t be your residence)

The property must generate returns that stay inside the HSA and can later be used for qualified medical expenses.

📌 Risk: Violating the rules (self-dealing, personal benefit) could disqualify the HSA, making the entire account taxable and potentially subject to penalties.

✅ Bottom Line
Normal HSA from your bank/insurer → No real estate purchases allowed.

Self-directed HSA with specialized custodian → Possible to invest in certain real estate as an investment, but heavily regulated and cannot be for personal use.