stylized blue and black HSA card with EKG type waves on it (Photo: Shutterstock)

When you are worried about today, preparing for tomorrow is hard to manage. But like many things in your life, health care planning can never start too soon. You feel the impact when you pay for a prescription at the pharmacy or schedule a doctor’s appointment over the weekend. It’s one decision that splashes out across your personal finance and lifestyle options.

Health care is an annual consideration, but if you only think about your health care annually you are missing a major factor; your health care decision affects how much tax-free money you can save for retirement. It might not only change your approach to health care coverage, but also how you save for retirement.

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