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If you have an Archer MSA, you or your employer can make tax-deductible contributions to the account. You'll pay your medical expenses and receive nontaxable distributions from your account to cover the amount you paid for qualified medical expenses. Money in the account continues to grow tax deferred if not used.

Choosing the right tax filing status is important--your tax rate, the amount of your standard deduction, and various credits and deductions all hinge on it. Making the right decision can minimize your taxes.