Whether you're in the early stages of your working years or you're nearing retirement, one of the biggest burdens that can dampen your golden years is healthcare expenses.

In fact, a recent study by Fidelity Investments found that the average couple at age 65 would need $315,000 saved to cover healthcare expenses. And that's after taxes. 

But one tool that can help you save for healthcare costs in retirement is a health savings account (HSA).

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Source Fool.com