To make deductible contributions to a health savings account (HSA), a person must be covered by a high-deductible health plan (HDHP). And the person must use up an annual deductible for the health coverage to be treated as an HDHP. But certain costs, such as preventive care, can be done without the deductible; this won’t disqualify the HDHP. Since COVID, telehealth services were permitted without a deductible, but this treatment was supposed to end on December 31, 2024. The One Big Beautiful Bill Act makes the exception for telehealth services permanent. Find more information about HSAs in IRS Publication 969. #IdeaoftheDay