wealthschema
wealthschema/archetypes/hc-01-hsa-maximizer-hdhp-household
HC-01Healthcare & BenefitsAccumulationmoderate tax complexity

HSA Maximizer / HDHP Household

Household on a high-deductible health plan, maxing HSA contributions, investing HSA for retirement healthcare, triple tax advantage strategy.

Fintech builders, financial software makers, and compliance teams use the HC-01 — HSA Maximizer / HDHP Household archetype across six of WealthSchema's synthetic household data sets to model households matching the HSA Maximizer / HDHP Household archetype without exposing real customer PII.

Age Range
35–55
Net Worth
$100k–$1M
Cohort
Healthcare & Benefits

Schema fields covered

Every HC-01 household ships with — at minimum — these JSON fields populated. The full schema is documented in the data set you purchase.

members[].age
income.combined_gross
net_worth.total
filing_status
accounts.taxable.lots[].acquisition_date
accounts.taxable.lots[].cost_basis
accounts.taxable.lots[].unrealized_pnl
taxes.wash_sale_flags
Partnership / Multi-Member BusinessDisability Claimant (SSDI / LTD)

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Life Stage

Formation
Accumulation
Preservation
Distribution
Transfer