Tax-reduced or tax-deferred. Mark forfollow up Question 34 of 75. Tax savings can be measured by: Reduced tax liability, additional tax credits, and increased take-home pay. Take-home pay and HSA account balance changes. Take-home pay and retirement account balance changes. Tax return results and HSA account balance changes. Mark for follow up Question 35 of 75. Health Savings Account (HSA) contributions made by an employer