For residents of the U.S., health insurance open enrollment is beginning.
Good time for a reminder that, if you have the option of enrolling in a high deductible health plan, those policies come with Health Savings Accounts (HSA).
https://en.wikipedia.org/wiki/High-deductible_health_plan#Personal_finance_implications
"HSA contributions, unlike other tax-advantaged investment vehicles, offer a triple tax benefit – tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses."
If your current (U.S.) health care expenses are relatively low, HSAs offer resilience for future health care costs, and also serve as an additional tax account.
An individual with an HSA can put in just over $4000 per year, and since this is a pre-tax deposit, this may be relevant if you want to minimize what you owe to the federal government.
@lwriemen
I think we've gotten to a place where optimizing for not handing over cash to the feds is worth looking into through whatever means available.