United States — Health / Education
These accounts are tied to specific “life costs” rather than general investing: healthcare spending and education funding. The benefit is often powerful tax treatment (and sometimes state-level incentives), but the tradeoff is that withdrawals typically need to be used for qualified expenses to keep those benefits.
HSA — Health Savings Account
For eligible HDHP participants: contributions may be pre-tax, growth is tax-free, and qualified medical withdrawals are tax-free (often called ‘triple tax-advantaged’).
Learn more →529 Plan — Education SavingsEducation-dedicated account where growth can be tax-free for qualified expenses; state tax benefits may apply depending on where you live.
Learn more →Coverdell ESAEducation account for K–12 and higher-ed with smaller contribution limits and income restrictions—less common today but still useful in niche cases.
Learn more →Educational only. Always confirm eligibility, limits, and plan rules with IRS guidance or plan documents.