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Home/Markets & Investing/HSA ELIGIBILITY IRS RULING · CRYPTO IRS RULING

Alberta's proposed no-fault insurance shift will raise average premiums to $2,000

MP

Milo Prescott

HSA eligibility IRS ruling · Apr 8, 2026

Alberta's proposed no-fault insurance shift will raise average premiums to $2,000

Source: DojiDoji Data Terminal

The average auto insurance premium in Alberta will exceed $2,000 per year under a proposed shift to a no-fault insurance system. This projection comes from a report by the Automobile Insurance Rate Board.

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Paying Off $45,000 in Debt Frees More Monthly Cash Than a Roth IRA Can Generate in a Year

Eliminating $45,000 in high-interest debt unlocks more monthly cash than a Roth IRA can generate in an entire year of contributions. A 32-year-old earning between $100,000 and $150,000 annually could wipe out that debt in 12 months by living on $100,000 and directing $50,000 in excess income toward repayment. Every dollar currently servicing student loans, a car loan, and personal borrowing is a dollar not compounding in an IRA. But once the debt is gone, that same cash flow becomes investment fuel. The maximum annual Roth IRA contribution is $7,500. The rest of the $50,000 surplus can flow into taxable brokerage accounts. Delaying Roth contributions for one year sacrifices a small amount of compounding. But it eliminates years of interest payments and unlocks permanent, investable cash flow. For someone with high income and manageable non-mortgage debt, freedom from payments is worth more than early entry into tax-advantaged accounts. The Roth IRA will still be available next year. The compounding lost by waiting is real, but narrow. The income freed by erasing $45,000 in debt is permanent.

Finance Minister Nate Horner announced the plan in November 2024, proposing a change to the current system where injured drivers can seek compensation from a negligent motorist's insurance company for pain and suffering and other losses. The proposed no-fault scheme, starting in 2027, removes those rights.

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Average premiums in the five provinces that currently operate under tort law systems are lower than the projected $2,000 premium for Albertans. Premiums are also lower in Manitoba, Saskatchewan, and British Columbia, where auto insurance is delivered by a non-profit government entity.

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Alberta drivers will pay more for a product that removes their right to sue for damages.

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Taxpayers claiming the Earned Income Tax Credit (EITC) face high scrutiny from the IRS. The IRS approximates that 25% of the claimed EITC credits offered in 2018 were improper payments. Because the EITC is a refundable credit that puts money into taxpayers’ pockets, it is one of the most closely reviewed credits by the agency. When the IRS flags a refund error, it can delay, reduce, or penalize the refund.

HSA eligibility IRS rulingcrypto IRS rulingSECURE 2.0 IRS guidanceauto insurance premium hike

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