According to CoinMeta, in 2026, doctors should give priority to the Triple Tax Savings Account (HSA) strategy, which offers triple tax benefits including deductible contributions, tax-free growth, and eligible withdrawals. Doctors can invest HSA funds in stock index funds, use cash to pay current medical expenses, and keep receipts for future tax-free reimbursement. After the age of 65, HSA medical withdrawals are not included in adjusted gross income (MAGI), helping retirees avoid IRMAA surcharges and reducing healthcare costs.