But none of such options can be obtained If you don't contribute on the tax-deferred account to begin with. The 401h would be the trifecta of deferred plans. It is sort of a Roth for for Health care linked expenditures. Tax deductible when funding it, tax absolutely free funds gains, https://spencerljcth.ampblogs.com/hedge-against-market-volatility-things-to-know-before-you-buy-74661596