If you don’t know by now, maxing out your contribution to your HSA can mean a world of difference in the investment of your health and in your future retirement. The more dollars you can pack into your account, the more opportunity you have to earn a greater return on your investment, and afford both planned and unplanned, covered medical expenses with the help of pre-tax dollars.

The key is to work smarter, not harder. So how can your HSA funds work smarter for you? By maxing out your contribution, consider the healthcare essentials you require on a monthly basis like over-the-counter medicines, or even period care products. If you experience a chronic condition or illness such as diabetes, your HSA has you covered there too. Diagnostic products like blood glucose monitors and even lancet refills can make all the difference in managing your health needs that much more affordable.

Remember, your HSA is a great long-term savings tool, but it can also help in the short-term to offset the cost of your health needs associated with a HDHP. Consider your short-term healthcare purchases a long-term investment in a healthy retirement.