Healthy way to eye retirement

Many expenses in life are unpredictable. But there are two things you know you’ll have to pay for: medical bills and retirement. You’ll probably need to take a variety of steps to meet these costs, but one financial instrument that can help is a health savings account (HSA).

If you’re not familiar with an HSA, here are the basics:

• Eligibility: If you are enrolled in a qualified high-deductible health plan (HDHP), you can generally contribute to an HSA. While HSAs are typically offered through employers, you can still open one if your employer doesn’t provide it, or if you’re self-employed, although you must have HDHP coverage.