Health Savings Accounts (HSAs) are often praised as one of the smartest financial tools for retirees. They offer tax advantages, long-term growth, and a way to pay for medical costs efficiently. But when a serious illness or complicated hospital stay strikes, paperwork and billing can overwhelm even the savviest saver. That’s where patient advocates come in. For some retirees, hiring an advocate saves more money than years of HSA contributions.
