Real ChatGPT answer · index seedzgExvwC8Vt4completeFinance and banking · retirement accountsinformational
How do I maximize my health savings account contributions while also maxing out my employer match in my standard retirement account
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do I maximize my health savings account contributions while also maxing out my employer match in my standard retirement account
3 real searches · 1 real-search pass
IRS 2026 HSA contribution limits self-only family catch-up 2026 officialGoogle ↗
OBSERVEDYes / no
IRS 2026 401(k) contribution limit elective deferrals 2026 officialGoogle ↗
OBSERVEDOther / navigational
HSA employer contributions count toward annual limit payroll cafeteria plan FICA tax IRSGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
IRS 2026 HSA contribution limits self-only family catch-up 2026 official Google ↗
IRS 2026 401(k) contribution limit elective deferrals 2026 official Google ↗
HSA employer contributions count toward annual limit payroll cafeteria plan FICA tax IRS Google ↗
- Publication 969 (2025), Health Savings Accounts and Other Tax-Favored Health Plans · irs.gov
- Retirement topics - 401(k) and profit-sharing plan contribution limits · irs.gov
- 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500 · irs.gov
- Internal Revenue Bulletin: 2025-21 · irs.gov
- Publication 15 (2026), (Circular E), Employer’s Tax Guide · irs.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS 2026 HSA contribution limits self-only family catch-up 2026 official OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 | |
IRS 2026 401(k) contribution limit elective deferrals 2026 official OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
HSA employer contributions count toward annual limit payroll cafeteria plan FICA tax IRS OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |