Pay $5,000 of daycare/preschool/after-school with pre-tax dollars.
Dependent Care FSA lets employees defer $5,000/yr ($2,500 MFS) pre-tax — federal, state, and FICA — for daycare, preschool, after-school, summer day camp for kids under 13, or care for a disabled dependent. Beats the Child & Dependent Care Credit for households above ~$60K AGI. Use-it-or-lose-it (limited carryover). Employer must offer.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Max HSA, pay medical out-of-pocket, invest the balance, reimburse decades later.
Reimburse employees for individual health premiums — tax-free, no group plan needed.
Reimburse up to $6,350 single / $12,800 family in premiums + medical, tax-free.
$75/mo DPC subscription + high-deductible catastrophic plan = better care at half the cost.
Hire your spouse, deduct 100% of family medical expenses through a §105 HRA.
Travel and $50/night lodging for medical care count toward the medical deduction.
Time elective procedures to clear the 7.5%-AGI floor in one big year.
Manage MAGI to avoid Medicare's income-based premium surcharges (up to $6K/yr extra).