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#7: Leverage a Spousal HSA Strategy
If you're married and both covered by high-deductible plans, you each have your own HSA. That doubles your potential tax-free savings—up to $8,300 combined for 2024. Coordinate your contributions strategically: one spouse might max out while the other uses a lower-deductible plan, then shift expenses around to optimize tax benefits. This requires coordination with your employer and insurance provider, but the tax savings can be substantial.
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