I am choosing a new health plan and learned I can put money into in an HSA account through my bank if I apply for certain plans. Basically, the max for me is $3,450 a year, and in some cases an extension of $1,000 can be granted. When you put money into this account, you are not charged as taxable income. You can spend this money on medical needs, like medicine, insurance costs, etc. One of the items is a vasectomy.

So lets say it costs $1,000 for the vasectomy. You would load this money into your HSA account. You would then pay for it through the HSA debit card or check. At tax time, it is marked that you deposited and spent the $1,000. Your income will be marked $1,000 less, meaning you owe less, and might even get a refund.

The requirements are that you need a plan which is HSA compatible. Medicare does not qualify. Also, you cannot be a dependant on someone else's taxes. I don't mark any exemptions on my taxes, so whatever I put in, I should be getting back as a refund. I think employers can contribute into your HSA before taxes, and you can spend that money into your costs.