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OBBBA IMPACT ON HSAS
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By Sarah Brenner, JD |
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From a tax perspective, a Health Savings Account (HSA) can offer the best of all worlds. Like traditional IRA contributions, HSA contributions are made by the individual with pre-tax dollars. Contributions made by an employer are excluded from income, like with a 401(k) plan. And, distributions are tax- and penalty-free, similar to Roth IRA earnings, if they are used for qualified medical expenses. HSA contributions are only available for those covered by a High Deductible Health Plan (HDHP). The One Big Beautiful Bill Act (OBBBA), signed into law on July 4, makes some changes to the HSA rules. |
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Q: |
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Q: I recently retired in January and rolled over a lump sum pension from my previous employer into my IRA. Next month, I’m planning to roll over my 401(k) from the same employer into the same IRA as well. Would these two actions run afoul of the once-per-year rollover rule? Thanks. |
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Q: I am 70 years old and do not have to start taking required minimum distributions (RMDs) for three years. Can I do a qualified charitable distribution (QCD) from my IRA now? Or, do I have to wait until age 73 when I have to start taking RMDs? |
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Have a question for America's IRA Experts? |
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September 17–18, 2025 – Virtual via Zoom with Live Q&A February 12–13, 2026 – Las Vegas at The Cosmopolitan |
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Whether you're attending virtually or in-person, you'll walk away with real client strategies, advisor-tested tools, and up to 14 CE credits — all designed to help you lead more confidently in a post-OBBBA world. |
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✅ How to turn OBBBA, SECURE Act 2.0, and IRS final regs into clear, compliant client guidance |
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Seats fill up fast — secure yours now: |
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The tax code just changed—again. Are you ready to lead the conversation? The One Big Beautiful Bill Act (OBBBA) includes sweeping tax changes—but for clients at or near retirement, it’s the planning implications that matter most. From Roth conversions to estate strategies, the rules have shifted—and most advisors haven’t caught up. That’s your edge. Join Ed Slott, CPA, and his team of IRA and tax experts for a fast-paced session focused on the most relevant OBBBA updates for retirement planning. Get actionable insight into what’s changed, what’s at risk, and what to do next—with a clear path to deeper client conversations and long-term tax savings. You’ll learn how to:
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Timely, Advanced Retirement Planning Education |
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For financial pros looking to gain a competitive advantage with their professional knowledge, subscribe to Ed Slott's IRA Advisor and our new Heather Schreiber’s Social Security Advisor monthly newsletters! |
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