Originally Posted by
ThumbsUp
.
Like me, LJDriver probably doesn’t have an HSA because of Tricare.
I do not. But I am intentionally funding my RHA (for the triple tax advantages mentioned above) and then shift all of those contributions to the MBCBP when it becomes available and let the RHA balance grow for later.
I thought the HSA is swept twice per year into the RHA if it’s over a certain threshold? Either way, the RHA is not part of your estate, and the HSA balance won’t be high enough to make an appreciable impact on your estate due to the automatic sweep, assuming it’s not part of the trust anyway.