aireadylife-benefits-op-hsa-reviewlisted

## What It Does Runs monthly to maximize the value of your HSA — the only triple-tax-advantaged account available to working Americans. HSA funds are pre-tax going in, grow tax-free, and come out tax-free for qualified medical expenses. A dollar contributed to an HSA at age 35 and invested for 30 years is worth roughly 3x more than a dollar in a taxable account at equivalent pre-tax income, because the entire investment period is tax-sheltered and the withdrawal is tax-free. This op ensures every available HSA contribution dollar is being deployed and that cash is not sitting idle above the investment threshold. **Contribution pace tracking:** The 2025 IRS limits are $4,300 for self-only HDHP coverage and $8,550 for family coverage (these limits increase annually with inflation; catch-up contribution of $1,000 for age 55+). Reads YTD employee contributions from `vault/benefits/00_current/` and computes the monthly contribution rate. Projects whether the annual limit will be reached by December 31 at the current pace. If the pace will fall short, calculates the additional monthly contribution needed. Note: the IRS limit applies to all HSA contributions combined — employee payroll contributions + employer contributions. If the employer contributes to the HSA, that counts toward the annual limit. **Investment threshold check:** Most HSA carriers hold contributions in a cash account by default, requiring the account holder to manually move funds to the investment sleeve. The i