If you’re enrolled in a high-deductible health plan, an HSA is your secret weapon. You can contribute up to $4,150 annually (2024) with pretax dollars, and withdrawals for qualified medical expenses are completely tax-free. The real magic? Unlike flexible spending accounts, unused funds roll over year after year, letting you build a tax-sheltered nest egg. That means you can save for future dental work, glasses, or prescriptions without ever paying income tax on the money.