Many investors are using IRAs and 401(k)s to capture the double tax advantage of pre-tax investing and tax deferred growth. However, the triple tax advantage of Health Savings Accounts (HSAs) – pre-tax investing, tax deferred growth, and tax-free withdrawals – remains largely untapped. If you are enrolled in a high-deductible health insurance plan (HDHP), which are becoming more prevalent, then you should be using an HSA. Click this article for more detail.