Healthcare & Medical strategies

10 plays in this category. Each one covers the mechanics, who it fits, and the estimated impact — then generates a deep dive against your own numbers.

• Healthcare & Medical

  HSA as Stealth Retirement Account (Triple Tax + Invest)

  Max HSA, pay medical out-of-pocket, invest the balance, reimburse decades later.

  $500K+ tax-free medical fund at retirement
• Healthcare & Medical

  ICHRA — Individual Coverage HRA for Small Businesses

  Reimburse employees for individual health premiums — tax-free, no group plan needed.

  $4K–$15K/yr per employee vs group premium
• Healthcare & Medical

  QSEHRA for Sub-50 Employee Companies

  Reimburse up to $6,350 single / $12,800 family in premiums + medical, tax-free.

  $6K–$13K/yr per employee in tax-free reimbursements
• Healthcare & Medical

  Direct Primary Care + Catastrophic HDHP Stack

  $75/mo DPC subscription + high-deductible catastrophic plan = better care at half the cost.

  $300–$500/mo vs traditional coverage
• Healthcare & Medical

  §105 HRA for Sole Proprietors with Spouse

  Hire your spouse, deduct 100% of family medical expenses through a §105 HRA.

  $5K–$25K/yr in newly-deductible medical
• Healthcare & Medical

  Deductible Medical Travel & Lodging (§213)

  Travel and $50/night lodging for medical care count toward the medical deduction.

  $1K–$8K/yr additional medical deduction
• Healthcare & Medical

  §213 Medical Deduction Bunching Strategy

  Time elective procedures to clear the 7.5%-AGI floor in one big year.

  $2K–$10K/yr in newly-usable itemized deduction
• Healthcare & Medical

  Medicare IRMAA Avoidance for Retirees

  Manage MAGI to avoid Medicare's income-based premium surcharges (up to $6K/yr extra).

  $2,000–$12,000/yr in avoided IRMAA surcharges
• Healthcare & Medical

  Healthcare Sharing Ministry (Not Insurance, ACA-Exempt)

  $200–$450/mo cost-sharing plans (Medi-Share, CHM, Samaritan, Sedera).

  $800–$1,300/mo vs ACA marketplace family plan
• Healthcare & Medical

  Dependent Care FSA ($5,000 Pre-Tax for Childcare)

  Pay $5,000 of daycare/preschool/after-school with pre-tax dollars.

  $1,500–$2,200/yr in tax savings