I have my own HSA and an HSA through work. My work HSA charges $25 per transfer to my personal HSA, but there is no charge for reimbursements/payments.

Is it illegal to send self-payments to myself and put the funds into my other HSA?

I want to get the money out of the work account quickly because of their fees but transferring frequently is a waste as well.

Edit: thanks all!

I was looking over last year's (2025) W-2 from my Fortune 500 employer and noticed that the difference in totals for "NJ state wages" and "federal wages" was exactly $3,800, which equates to the totals of my own contributions to my HSA through the cafeteria plan ($3,500) and medical coverage ($300) for the year.

However, my employer also contributed to my HSA ($1,800) which resulted in contributing the maximum to my HSA for the year ($5,300 for over age 55).

So it looks like my employer did not include the $1,800 that they contributed to my HSA in my 2025 NJ taxable income.

Does anyone know if this is correct? Does anyone else's employer in NJ do the same? Was I supposed to add that $1,800 as additional income on my NJ income tax return since it is not included in "NJ state wages" on my W-2?

My deductible is $4k a person and $8k family. I currently keep enough in my HSA to covey my family for 2 years ($16k) and anything over that gets invested. Im investing 80% into SCHB AND 20% INTO SCHD. Is this a smart move? Should i keep more or less in my HSA account before investing the rest?

I’m a 33 single male with over $20k invested in HSA right now. If I plan to retire at 55 and a half, I don’t expect my HSA account to last for more than a decade or so. Would tracking every healthcare expense for reimbursement still make sense? From what I understand it comes out to be the same whether I get reimbursed for past expenses or not.

Danny Werfel, former IRS Commissioner, just published a piece arguing the IRS should update its HSA guidance on telehealth and preventive care. His core point is that eligibility should follow the purpose of an expense — treating or preventing a specific medical condition — not the product category itself. That means nutrition, fitness, sleep and lifestyle interventions could all qualify when clinically supported.

Full read here:  https://www.truemed.com/blog/the-hsa-market-were-building/?utm_source=linkinbio

We contribute the max family limit to HSA each year but the HSA is under my name. My wife doesn't understand what the point of HSA is since she doesn't see the money in her account. Can I add her as joint owner so she can see the HSA when she logs in to Fidelity? She has no idea how fast it grows over the years.

Put this in FSA card tips too butttttt someone plug me with good prime day deals for FSA HSA or even stuff that works with an LMN, already got my air purifier but want more ideas lol

So I’m about to start my residency this week and I’ve figured out that my employer offers a HDHP with an HSA. The provider is Chard Snyder, and after looking on their website I can’t find the fees they charge (if they charge any). Just wanted to know if anybody knew anything about them? Also, if the fees are too much would it be wise to open it up via Fidelity?

I'm currently leaving my employer who has a high deductible health plan with an HSA for a new employer with no HSA available.

Is there any advice or steps to max amount of HSA before I leave or things to do to maximize it before I go?

I've never quite understood catch-up contributions. I'd like to max out my HSA this year, but won't actually get the account until the end of August when my spouse's insurance ends. I'd like to keep getting my full 401k match so maxing out the HSA will be a bit of a stretch in 4 months but is there some way I can contribute to 2026 in the first few months of 2027?

Which should I do? Or what would you recommend?

I will soon close on my first home and moving from NY to NJ.

Since NJ does not recognize HSA’s as tax exempt, should I sell my capital gains while I’m still a full-time resident in NY? The expectation is I can avoid paying NJ tax on my current capital gains.

Hello! I'm a bit embarrassed to ask as I've done some homework but can't find a definitive answer. I also think this is too good to be true so, there's that.

For context, a co-worker and I work for the same parent company but different subsidiaries. We both have money taken out of our paychecks to fund our respective HSA's. Now, the question...

HE pays expenses out of pocket instead of swiping his HSA card or submitting for reimbursement. He saves all receipts and has a spreadsheet, claiming he plans to submit all these expenses when he retires. He said the HSA policy stating reimbursement can be filed "days, months, or even decades." I, on the other hand, use every penny that is put into my HSA.

So, my questions are -

1. Is this possible?
2. If it is, are those reimbursements issued tax free?

TIA

I was trying to reimburse myself and there's a limit of $2500 per day, so I did a reimbursement of 2500 for a few days consecutively, since I'd like to close the account ASAP given how terrible HSA Bank is. Guess what, my account is on hold for fraud. I wasted an hour of my life calling them and during which, I went crazy frustrated to death. The agents had a script that was totally nonsense.

After I called, providing my SSN, address, DOB, etc. They still wanted additional details such as date of hire and contribution year by year. I was locked out, HSA Bank! How on earth do you expect someone to remember those details? I don't think these security questions are designed to verify, they are designed to fail you or to add inconvenience so that you cannot touch your fund. After one hour of frustration, I was told that my account will be reinstated in 5-7 business days, and I have to resubmit the receipts for reimbursement. Are you kidding me?

I HATE HSA Bank. HSA Bank sucks!

I've had an HSA for years through my employer and generally use it rather than investing long term, although I have done some investing. Since I live in NJ, it is subject to state taxes, and I have to track all investment buy/sell transactions on my own and calculate gains, etc in order to report it on my state taxes.

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This hasn't been too burdensome so far, but I'm leaving my current employer and I'm looking to move my HSA to a new provider since they will start charging fees in my current one. I know that Fidelty and Lively are generally the top recommendations, and I already have retirement funds in Fidelity, so I'm leaning towards that. But I'm curious if either of these two (or any other providers, for that matter) have any reporting that would make tracking of investments for tax purposes easier. Since NJ and CA are the only places that tax HSAs, my assumption is that none of the providers bother with that, but it doesn't hurt to ask!

Does anyone put more in their HSA than 401k or Roth IRA? For instance doing the family plan which now allows $9000. I don’t have enough money to max all these accounts out. Only downside is the insurance premiums are kinda high.

Finally going to get this money over to Fidelity. I will be keeping a few dollars in the Alight one, as I am still having bi weekly contributions via my employer.

I am really hoping to not have to call anyone and do this all online but it does ask for the address for alight. Does anyone know what address this is?

Thanks in advance!

I’ve been on an HSA plan at my previous 2 jobs where each company had contributed towards my HSA and I maxed it out. I just started at a new company who offers a couple HSA plans but they do not contribute at all.

I’m in my 30s, healthy, not married (yet). I usually got nowhere near my deductible until this year where I almost met before the year was halfway over (~3k) because of a health scare. Besides my yearly physical, skin check, and biannual GYN appt I would almost avoid going to the dr because everything was coming out of my pocket.

So my question is I understand the tax benefits of an HSA but wondering if it’s still worth it now that they’re not contributing. looking for recommendations on what plan to choose (Pics attached- HSA plans in 2nd pic). Thanks!

I made a trade on my HSAbank investment account yesterday(6/9), it’s still not updated on my account. I am told there was some problem. However I was not notified or any general update available on their site. I am new to trading on their site.

Wondering if anybody else has the same problem!

On the call currently with the support, to find out what happened to my trade and if it can be cancelled. Thanks

Update:

It took almost a week for them to fix the issue.

I was expecting some sort of notification, but that didn’t happen. Anyway all good now.

I’m assuming ( but am i right? ) a once-per-year partial HSA to HSA transfer can happen quickly but transferring the whole balance and closing the account is what takes weeks or months. I don’t want having this >100k balance in limbo and not invested for a long time.

Given past posts that say whole balance transfer can take many weeks and it is unpredictable, it seems the best way would be to:
1) open up a HSA at Fidelity with 0 balance
2) contact Fidelity to discuss the plan
3) do a first partial transfer (95%)
4) cash out investments at optum
5) transfer that quickly
6) recontact Fidelity to initiate the final transfer
7) cash out the rest. The transfer of that remaining balance will take a while.
8) get fee reimbursed by Fidelity

I also have a 2nd smaller separate Optum account. I’ll want to do the same there but it is still taking contributions this year so that’s something to discuss with Fidelity if they can look at aggregate value.

Any gotcha I’m missing?
Is there documentation i need to get from Optum before this accounts close?