MARK KOHLERMain Street Professionals, Main Street Professionals, Main Street Professionals, Main Street Professionals, Main Street Professionals, LLC · Owner at Main Street Professionals, LLC

Self-Direct Your HSA To Get Better Returns

17 Feb 2026 · 1 min

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0:46

Mark Kohler explains how to split your HSA into two accounts: keep the employer-funded one for routine medical expenses, then open a self-directed HSA with the remaining $3,150 (after a $1,000 employer contribution) and invest it in higher-growth assets like Bitcoin through providers like Directed IRA.

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I got a plan at work. I got an hsa. Can I self direct? Yes. Let's say you're single and you can do 4150 this year. So let's say your employer is putting in 1000 bucks. Leave that alone. Leave that HSA is alone. Use that thousand dollars for your medical when you want. They're probably going to get you a 2 or 3% return on it. It's not going to be great. So pull that out for medical as you need it. Then go open up a second HSA because you can have two, you got two accounts but you can only put away 4150 in whole. So if the employer puts away a grand you can put 3150 in your self directed HS. Buy some Bitcoin, sit on it, maybe get a little bump again. Your 4150 is your limit. So find out how much is going in your work HSA that your employer might be putting away for you. The difference could go into your crypto hsa. You're off to the races. At directed ira we have a crypto hsa.