The H Group, Inc.

You don’t need perfect estimates to start planning.

A practical approach is to build a healthcare budget category, include a cushion for out-of-pocket costs, and regularly review it as circumstances change.

Download the Retirement Checklist (PDF) to start planning > https://bit.ly/4ahHWMo

If you have access to an HSA, it can be a powerful tool for 2026—especially for healthcare costs today and in retirement.

Key step: confirm the updated annual limits and confirm your payroll elections match your plan.

Top of mind for 2026: Balancing current cash flow with future healthcare planning.

Want the updated numbers? Download our 2026 Key Financial Data guide > https://bit.ly/4t4P8T6