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If you participate in health savings accounts, then you likely think more about retirement. Analysis from Fidelity Investments claims 401(k) participants with an HSA accrued more than twice as much in their 401(k)s as the average participant.

Here’s the proof: At the end of 2010, Fidelity’s average 401(k) balance was $71,500, but for those participants also contributing to an HSA, the average balance was $170,500, a whopping difference of 138 percent.

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