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In many ways, Health Savings Accounts have been the “middle child” of retirement savings. For one thing, whatever attention big brother 401(k) doesn’t get, baby sister ROTH IRA gets. On the other hand, HSAs generally have been viewed more as a health benefit rather than a retirement benefit. 

But, you know, if you think about it, if you ask a lot of folks, they’ll tell you their greatest retirement worry is paying for health care. Once they leave the cocoon of employment, they’ll no longer have the benefit of using their company’s health care plan. 

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