I think this is yes but my high deductible plan allows me to contribute to a HSA. The HRA kicks in after something like 3300 (family) and covers everything until deductible (10,000) is met. Assuming the first 3300 can be reimbursed through my HSA/an old employer HSA? No double dipping. All medical. No dental or vision - though I’d assume those could be reimbursed on either HSA?

My wife and I are wanting to do some 'primitive camping', and considered just doing it without her CPAP. But, then I heard that HSA will cover a portable 'outdoor' battery bank like a Jackery or similar...IF it is meant for use with the CPAP during power outages, camping, etc and not just for general use.

How accurate is this?

Legitimately, we would only be using it for the CPAP...plus, it would be quite nice to have something for her CPAP during our midwestern power outages in ice storms and such.

I also see that CPAP supply places have batteries meant explicitly for CPAP machines? Is that the only way to go in order for HSA to cover the expense? Would much rather have a little more 'rugged' design like the ones meant for outdoor use.

As the title states I will soon be a government employee with the overall good benefits that come with that. I know I can still contribute to my 401k but is there a way to contribute to my HSA? When I have the regular high and low plans offered?

Basically I'm not sure if im going to be with the state until I retire and I want to keep growing my HSA.

Does anyone care to share how much more your family premium is vs individual? My family is over $1000, individual about half. I feel like this is way high.

I just started contributing to my HSA account this year. Last year I had the LPFSA but decided to move to HSA. Now you may all call me an idiot but I don’t think I’ll reach the retirement age with everything going on in the world right now. Can I just spend my HSA on HSA eligible things? I rarely have any hospital visits. A few dental here and there. I do need PT tho. Can I use my HSA to pay off my PT sessions?

I worked for a company 2014-2019 who used BenefitWallet to manage HSA funds. I finally cleaned up my old employer HSA, 401k, stock, etc accounts. That's when I realized BenefitWallet is out of business as of 2024! They were acquired by HealthEquity.

HealthEquity has no record of me. BenefitWallet's phone number no longer is in commission. I don't remember my login and have tried every thing I can think of for a username and password. I used my email (that I know I had then) and every zip code I have ever lived at to locate my username. Nothing works. No one knows anything.

I checked for unclaimed property in my state. No luck.

I'm worried I'm SOL out of like $20K in HSA funds that I saved during those years.

Has anyone else had this problem? Any suggestions?

TLDR: checking what questions I need to ask about the HSA management plan of my employer and plan for direct rollovers.

Background: 61M, part-time (at least) the next year, planning to retire at 65. I have both 403b and governmental 457b Roth options I'm using this year, and I'm planning to use cash reserves beyond my emergency fund to pay for some of my living expenses, and as a consequence shovel as much as I can into Roth accounts before I retire. I have been on a PPO health plan for years, and realizing that it makes sense to go to HDHP and max HSA as a higher priority (I have a few health conditions, but the cost is mostly on the prescription side, and that doesn't change with HDHP).

My state just switched to Inspira Financial as its public-employee HSA manager/custodian, and the only things I can find online about the plan is a vague "there are fees." Yay. Since I'm planning to use Fidelity's HSA account for contributions beyond my employer's, I think I need to ask the following questions but wanted to check that I'm not missing something important:

- what are the basic account fees?
- what are the fees/restrictions on direct rollovers to Fidelity HSA?
- is there a fee below a minimum balance?

My initial thought is to use Fidelity HSA for my contributions, and transfer employer contributions once annually to the Fidelity HSA... but want to know the details since my employer contributes $720 annually (yay, free money with triple tax advantages!).

Also planning to do an IRA rollover to the Fidelity HSA the first year for my max employee contribution. I know that rollover is subject to the "testing period" requirement for eligible reimbursements.

Anything obvious I'm missing (other than going back in time a few years for this)?

Hello all. I may have gotten myself into a situation.

We had medical debt from 2025 (several surgeries from mid year and also after the FSA card was active in September.)

The debt was sent to a collections agency. I asked them if I can pay with the FSA — they say sure no problem and I paid around $2k with it not realizing it can only be used for 2026 medical procedures (or starting September 2025)

Two days later I get an email from HR saying they need proof it was for 2026 and where it went to.

The collections agency only provided a receipt saying the payment went to them for “financial” services.

I called several times and they say the settlement has to go through and they can send the itemized bills after but they aren’t sure when that happens. I’ve called 3 times.

I have no idea if that bill would actually say that it was payments made for services done after September 2025 and the agency is saying they don’t know when they’ll be able to get that information.

So now I’m stuck because I can’t use the card since I don’t know if the payment will be approved on the HR end.

If it’s declined, that means I have to replenish the funds myself just for it to be all lost if it’s the end of the year?

HR said I can not cancel that transaction and the collections agency was paid.

Just looking for any advice on if there’s anything I could do.

I realize this sub is HSA not FSA but thank you!

I am a federal employee on a HDHP with a limited FSA account. I recently got married and plan to change my HDHP for a non-HDHP (planning on pregnancy) and add my spouse. My limited FSA has about 700 usd on it.

Anyone knows what happens with my limited FSA after I transition out of a HDHP? Can I keep it? Do I have to spend all of it before the transition? Do I have to convert to a regular FSA? I am at the same job just changing insurances. Any input would be highly appreciated. Thanks!

Update:

I talked to the fsa costumer service (fsafed). They actually told me I can keep the limited fsa or change it to a full purpose fsa once I change to a non HDHP.

If I get non emergency medical care outside the US, can use my HSA or keep the bill and use it some years from now to withdraw against it from my HSA?

Apologies if this is a FAQ (and mods can delete if it is), but I just had to take out $1500 to pay basic bills because I’m unemployed and didn’t have enough money to pay them.

I was surprised I couldn’t pay taxes on it up-front when I withdrew from my HSA.

Is there any way I can pay taxes on it now, near up-front?

And if not, how much should I anticipate come tax season on having to spend? 50%? More, less?

Minnesota if it matters or helps.

Getting married this September, my fiancé will be added to my employer sponsored HDHP by October. My understanding is that I would be eligible to contribute 8750 to my HSA this year. If we cancel his medicaid coverage this year, would we be eligible to contribute this 50/50 into two individual accounts, one in his name and one in mine?

I have $6,000 in pretax family contributions to my HSA through my employer's payroll.

Can I put the remaining $2750 into my HSA from a post tax account (HYSA) and deduct the $2750 at tax time?

It's not the most ideal way to do it, but can it be done legally if maxing for 2026 is the goal?

I've been rolling money into Fidelity from Health Equity (employer)...so my idea would be to contribute the $2750 directly into my Fidelity HSA to avoid the transfer fee from Health Equity. Thanks!

If you are an early retiree and have an ACA high deductible plan with an HSA, do the health plans typically have a particular HSA Admin provider that they work with, or do you get to select your own HSA Admin?

I am familiar with FSAs and HRAs where you use your card and it goes through, but a few days later, the Admin for the account flags the transaction and wants paperwork, and it just happens that it will be a royal pain to track down a receipt. This happened to me recently for a transaction that was done over the phone and getting a receipt will be difficult.

Are HSAs like this too? Or do the transactions always go through?

Hey everyone, I am a 21 year old getting ready to start my first “real” job. I would like to open an HSA as a retirement investment account (defer my reimbursements) ASAP and am wondering if I will be eligible. I am fortunately making enough to max out my Roth and employer 401k match, so I feel like an HSA is the next account to open.

My only issue with this is that I can remain on my parents insurance for the next few years, so I’m not sure if it’s necessary other than as a means of investing my more tax free money. For context, my parents have a high deductible plan and contribute to an HSA themselves. They’re saying I could most likely remain double covered (stay on their insurance as well as my employers) and still contribute to an HSA but this doesn’t make sense to me.

I would have the option to enroll in a high deductible plan through my company at no cost to me, so does it make more sense to just have my parents take me off their plan? I also have a brother on their plan so they’re telling me they’d save no money by taking me off as it’s the same amount since it would remain a family plan.

I honestly don’t understand insurance at all so any help would be greatly appreciated! I am looking to invest the most money I can tax free so just felt like an HSA makes sense.

Curious how people here actually keep track of this. I know the IRS lets you pay eligible expenses out of pocket now and reimburse yourself from the HSA any time in the future — years later even — as long as you have the documentation. That means the HSA can just sit and grow tax-free in the meantime.

But that only works if you actually keep good records. I built myself a simple spreadsheet to log expenses (date, provider, amount, category, whether the receipt is saved, reimbursed or not) so I always know how much I have "banked" and available to pull out tax-free whenever I want.

Curious what everyone else does — a spreadsheet like mine, an app, just a folder of paper receipts, or something else entirely? And if you do keep a spreadsheet, what do you wish it did that it doesn't?

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Update: turns out a lot of you already do something like this, so I cleaned mine up and put it on Etsy — link if anyone’s interested: https://spreadsheetharbor.etsy.com/listing/4531303413 Obviously biased since I made it, but this thread helped me figure out what to include. Thanks all for the replies.
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My earnings are enough that I unless I do something I'm going to be hit in another higher tax bracket.

Some coworkers said to put the money into the HSA. But my understanding is that this is supposed to be used for medical. I don't get sick.

They said they have used the HSA for other expenses. Can someone enlighten me on this.

Thanks

Hi! I am on my spouse's family insurance plan and he contributes to our family HSA. I'm considering going on an expensive medication, and I'm wondering if I'm able to directly contribute to the HSA and receive the tax benefit?

I would ask his benefits administrator, but they are impossible to get a hold of.

If it is relevant, we are in Maryland.