The most absurd loophole I've seen yet

Holy crap. I just noticed my HSA allows options strategies. It even has crypto and letfs💀. Im definitely gonna try to get spread access because this might be the only free lunch in life...broken.

In case you dont know what a HSA is, heres a quick rundown from AI:

Triple Tax Advantage
1. Tax-Deductible Contributions
 – Lowers your taxable income immediately.
 – Up to $8,300/year for families (2024), indexed to rise.
2. Tax-Free Growth
 – Any gains (dividends, interest, capital gains) grow without being taxed.
 – Can invest in stocks, ETFs, or even options (depending on provider).
3. Tax-Free Withdrawals
 – Withdrawals are 100% tax-free when used for qualified medical expenses — which you’ll inevitably have in life.



Strategic Financial Utility
4. Defer Reimbursements Indefinitely
 – You can pay out-of-pocket now, let the HSA compound untouched, and reimburse yourself tax-free years or decades later (just save receipts).
5. No Use-It-or-Lose-It
 – Unlike FSAs, your HSA balance rolls over forever — it’s your account, not your employer’s.
6. Ultimate Retirement Flexibility
 – After age 65, withdrawals for non-medical expenses become penalty-free (though taxed as income, like a traditional IRA).
 – Can also still use tax-free for medical.



Health Plan & Cost Savings
7. Lower Premiums with HDHP
 – High-deductible plans typically have lower monthly premiums, saving you cash flow while young and healthy.
8. Control Over Healthcare Spending
 – You decide how to spend, save, or invest. Can shop smarter for care since you’re incentivized to be cost-aware.
9. Emergency Medical Fund
 – Tax-free access to pay for surprise expenses (ER, prescriptions, dental, etc.) — you don’t have to sell investments or go into debt.



📈 Tier 4: Long-Term Wealth Engine
10. Can Grow to 7+ Figures
 – With max contributions and 15–20% CAGR, an HSA can reach $1M+ in 30–40 years, all tax-free if used for healthcare.
11. Compound Monster with Employer Contributions
 – If your employer adds ~$1,000/year, that’s free money compounding tax-free.
12. Low-Maintenance Leverage
 – Can use LETFs or stock indexes to grow passively with little effort or micromanagement.