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PathTested Team
September 3, 2026
Traditional IRA/401k to HSA Transfer
Traditional IRA/401k to HSA Transfer
In the US and the eligible accounts, anybody think this is a good idea?
Transfer traditional IRA/401k to HSA up to max limit per year during age window from 59 1/2 to 65. IRA/401K will incur ordinary tax but HSA contribution can be deducted, so tax neutral. From HSA, besides being a tax fee withdrawal if with medical expenses, it also eliminates RMDs, after 65. HSA funds after 65 can be withdrawn without medical expenses and treated like another IRA with ordinary tax.
There is also a one-time QHFD move, but above discussion can cover multiple years.
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