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Retirement and Health Savings for the Self-Employed

Retirement and Health Savings for the Self-Employed

Updated 9/29/2026

FinanceEN899.2 KB

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What you'll learn

  • Identify the three main retirement plans available to self-employed individuals
  • Understand how SEP-IRA, Solo 401(k), and SIMPLE IRA differ in eligibility and contributions
  • Apply the 'stacking' strategy to contribute to both a W-2 401(k) and self-employed plan
  • Use the self-employed health insurance deduction and HSA for triple tax advantages
  • Determine which account type fits your self-employment situation using a checklist

About

Learn which tax-advantaged retirement and health accounts self-employed workers can use — SEP-IRA, Solo 401(k), SIMPLE IRA, HSA — and how to cut your tax bill while building savings.

What's inside· 10 lessons
  1. 1Retirement and Health Savings for the Self-Employed
  2. 2SIMPLE IRA for Tiny Teams
  3. 3Why Self-Employed People Need Their Own Plans
  4. 4Knowledge Check Quiz
  5. 5Stacking: Workplace 401(k) + Self-Employed Plan
  6. 6Retirement and Health Savings for the Self-Employed
  7. 7How a SEP-IRA Works
  8. 8Solo 401(k): Contribute Twice
  9. 9Trade-Offs: What You Need to Know
  10. 10Which Account Fits Me?

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Retirement and Health Savings for the Self-Employed · HyracHub