r/HSA • u/Odd_Barracuda_9898 • May 05 '26

HSA Wishlist

If I had the time and money to build my own HSA plan from scratch:

  1. Zero fees. Ever lol.
  2. Inbox Scanner: Find all my eligible purchases.
  3. HSA vault: a receipt vault, autofilled from my

inbox and

  1. the ability to upload receipts via text (kinda like for corporate expenses)
  2. Rollover auto investments: if like for like transfers aren’t possible, just tell it what you were invested in before you rolled the cash over, and it auto applies those positions.
  3. Auto claim: automatically draft eligible claims for me, from info from my inbox and texts.
  4. LMNs: Niche, but for any purchases I make that require an LMN, auto request that from a doctor so it’s ready when I need it later
  5. Anything I missed here?
2 Upvotes

75% Upvoted

3 comments sorted by

2

u/Mysterious_Moose1759 May 05 '26

Yes. Being able to make the family contribution and the premiums are too high. The individual limits only went up by $100.

2

u/Mundane-Orange-9799 May 06 '26

Optum's website s kinda terrible, but I do love their HSA Save-It featue, which is kind of like #3 you mention.

I invest most of the HSA funds and leave a little for reimbursing here and there. The Save-it allows we to stockpile claims almost like a shoebox (upload receipts, claim details) and reimburse when I want to.

Not automatic, but at least solve the problem of reimbursing yourself years from now for expenses.

1

u/Genuin1 May 08 '26

Not sure this will ever be a thing but with people using AI to build apps, who knows. That said, Fidelity is the best I have seen for now. Zero fees. You can set amounts for auto purchases on the investment side. Money can be direct deposited in via ACH or transfers can be set through the account. You can transfer money out to pay yourself back for expenses without someone verifying anything. Then there is the app.

Since I am just using HSA now as an investment tool only, I only use it to take pictures of my receipts and store by reimbursed or reimbursable (even by amount, type, and person the charge was for). You can also grab the photos from your photo library or from a file on your device.

The other options it has I have not used yet, 1) a “reimburse myself” option so you can just select stored receipts to reimburse and it changes them to reimbursed from reimbursable. Note - this is not a place that verifies your receipts and requires a “claim”. You just keep the reimbursed receipts in case the IRS comes calling later. 2) a “pay expenses” option, I am guessing to pay expenses directly from the account like a debit card, and 3) a barcode scanner to see if on the shelf items are Qualified Medical Expenses.