If you’re married, split your HSA savings into two accounts, with money in both your name and your spouse’s, Stahl said. You’ll still be limited to the maximum annual family contribution (currently $6,750), but then each spouse can make an annual $1,000 catch-up contribution once they reach age 55, he said.

Workers who have access to an HSA as well as a 401(k) may want to strategize which account they focus on first. Given that triple tax advantage of HSAs, in many cases it makes sense to set aside just enough in your 401(k) to get the full match, and then fund your HSA fully before circling back to top off your 401(k), Stahl said.

“Generally speaking, that’s a pretty good strategy,” he said.

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