Your hospital's benefits packet lists a 403(b), and it may also quietly list a 457(b) on a separate page. Human resources rarely explains what happens when a nurse funds both: the IRS treats them as separate buckets, not one aggregate limit. That is the loophole. For nurses employed by nonprofit hospitals, public health systems, or... Your Hospital's HR Won't Tell You This: Nurses Can Legally Shield $49,000 a Year by Stacking a 403(b) and a 457(b)









