# The Big HSA Mistake Retirees Don’t Know They Are Making

Page: https://stenobird.com/podcast/retirement-answers-5918904/the-big-hsa-mistake-retirees-don-t-know-they-are-making
Text version: https://stenobird.com/podcast/retirement-answers-5918904/the-big-hsa-mistake-retirees-don-t-know-they-are-making.md
Podcast: [Retirement Answers](https://stenobird.com/podcast/retirement-answers-5918904)
Published: 2026-01-08T13:00:00+00:00
Episode link: https://share.transistor.fm/s/826a3af9
Audio file: https://media.transistor.fm/826a3af9/4f5c3b54.mp3
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JSON: https://stenobird.com/v1/public/podcasts/retirement-answers-5918904/episodes/the-big-hsa-mistake-retirees-don-t-know-they-are-making
Duration seconds: 1211

## Resource

Have you ever wondered if your HSA contributions could cause unexpected issues as you approach retirement? In this episode, I highlight potential risks and mistakes that individuals near or in retirement might encounter with their HSAs. Specifically around scenarios such as switching into an HSA plan mid-year, transitioning out of an HSA plan mid-year, and moving from an HSA plan to Medicare. 👉 Book a call with me: https://www.rivertreewealth.com/get-started ✅ Get your Important Numbers 2026 PDF here: https://www.rivertreewealth.com/2026-important-numbers Email: jacob@rivertreewealth.com Website: https://www.rivertreewealth.com LinkedIn: https://www.linkedin.com/in/jacobduke Jacob Duke, CFP, MBA is the founder of Rivertree Wealth and the host of the Retirement Answers podcast. DISCLAIMER: This should not be taken as tax, legal, or investment advice. All content is for educational purposes only. 00:00 Intro 00:35 Understanding HSA Contributions and Limits 04:50 Scenario 1: Switching to an HSA Plan Mid-Year 07:42 Scenario 2: Switching Out of an HSA Plan Mid-Year 12:59 Scenario 3: Transitioning from HSA to Medicare 18:27 Key Takeaways and Final Thoughts

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## Transcript

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