Super Saver Strategy
Maximizing HSA contributions while using an LPFSA for dental and vision expenses to preserve your HSA balance.
What is Super Saver Strategy?
The super saver strategy combines an HSA with a Limited Purpose FSA (LPFSA) to maximize tax-advantaged savings. You use the LPFSA for dental and vision expenses, preserving your HSA balance for other medical expenses or long-term growth.
Here's how it works: Contribute the maximum to your HSA and invest it for growth. Put money into an LPFSA to cover expected dental and vision costs (glasses, contacts, cleanings, etc.). Pay other medical expenses out-of-pocket when possible, saving receipts for future HSA reimbursement.
This strategy maximizes the tax benefits of both accounts while letting your HSA grow untouched. It requires more planning and organization but can result in significant additional savings over time.
Frequently Asked Questions
Can I have both an HSA and LPFSA?
Yes. An LPFSA (Limited Purpose FSA) only covers dental and vision, so it can coexist with an HSA. Regular FSAs conflict with HSA eligibility.
Which expenses should I use each account for?
LPFSA for dental and vision (since FSA funds expire). HSA for everything else, preferably after building investment growth.
Is this strategy worth the complexity?
For people who maximize tax-advantaged savings and have predictable dental/vision expenses, yes. The extra planning pays off in tax savings and HSA growth.
Related Terms
Limited Purpose FSA (LPFSA)
An FSA that covers only dental and vision expenses, designed to work alongside an HSA.
Shoebox Strategy
Paying medical expenses out-of-pocket now and saving receipts to reimburse yourself tax-free from your HSA later.
HSA as Retirement Account
Using your HSA as a long-term investment vehicle for retirement, similar to a 401(k) or IRA.
Learn More
Track your HSA expenses
Now that you understand the terms, put your knowledge to work. Track expenses and reimburse yourself tax-free.
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