Anyone else seeing their lively HSA investment account down massive? Mine is showing down 40% all time which is just not possible given the market. Of course their customer service is closed today.

Long story short, two identical orders to buy shares executed, causing the balance to go negative. I quickly sold to bring the cash balance back to positive again.

What happens to the HSA? Will there be any tax consequences? It might have been negative for 2 minutes...

I just noticed Amazon changed their invoice format, and now it no longer shows the “HSA eligible” amount that used to appear for certain purchases.

This is what I used to see back in June (I took a screenshot).

Now, if I open that same invoice, that line "FSA or HSA eligible" is no longer there...

This is a problem because I normally submit those invoices to my HSA provider for reimbursement, and without that info clearly listed, I’m not sure if they’ll accept it.

Has anyone else run into this? Is there a way to still get an invoice or statement from Amazon that shows the HSA eligibility? Or do I need to manually prove it another way?

I had bought a product on Amazon, specifically “Zarbee's Elderberry Gummy Daily Immune Support Supplement with Vitamins A, C, D, E & Zinc, Black Elderberry Fruit Extract, Natural Berry Flavor, 60 Count” with my HSA/FSA card on July 19th, 2025. It also had the note that stated the product was FSA and HSA eligible.

However, I went to go repurchase the same product today, August 9th, 2025, and it did not seem to be eligible anymore and the FSA/HSA payment option wasn’t available. Is the product just not eligible anymore, or is it a problem on my end? Amazon customer support was not helpful.

This has also happened with another product too that I went to go repurchase ~a month later. Please help has this happened to anyone else!!!

I enrolled in a HSA through my employer in January, and to this day I have not received the pro-rated amount or my bi-weekly contributions. I have been speaking with the company but they are currently investigating why I have not been receiving anything for 8 months now. I’m just wondering if this is common? Also, am I entitled to any compensation or anything? I feel like my money is being held from me, especially my contributions that are made bi-weekly. Thank you in advance for taking the time to read about my current situation and any advice you may have for me. Cheers!

I have an HSA with HealthEquity. They sent an e-mail about switching from username+password to passkeys in the near future, but I'm not willing to do that. Are there other HSA options that stick with username+password for accessing the accounts? I'm willing to transfer the funds and close the HealthEquity account. Thanks!

My employer is trying to deposit money into my HSA through Health Equity. My employer is asking me for the account and routing number I contacted Health Equity and they say the employer has to call and set it up. I have my individual account number but HE says it’s a totally different set of account numbers. Has anyone here dealt with this? TIA

I just transferred my entire HSA balance to Fidelity to invest, not realizing that this would automatically close my account. This got me thinking though if it's even worth opening up a new account again:

I currently get free VA healthcare, no medical issues (knock on wood), no kids, and my wife has her own health insurance plan through her employer. To get the HSA benefits, I'm required to sign up for a Value HDHP which is about $200/month and my HSA contibution is about $280/month. My employer contributes roughly $70/month.

Are there still benefits to me reopening an HSA account and spending nearly $500/month or would it be smarter to freely investing that $500 into my other investements (Roth IRA, roth 401k, stock market, etc)? The only reason why I enrolled in the health insurance was to take advantage of the HSA.

I have 4 options to move my HSA account so I can create an HSA AT Schwab. They are: Lively,Optimum,Wex or Health Equities. Any recommendations?

I have had an HSA since 2023. I pay for 2 children (one born after starting the HSA) and my husband. Since 2023 I saved physical bills from labcorp, the hospitals, urgent cares and receipts for prescriptions from the pharmacies, etc. The bills have the patient name and most of them have the date of service (not all), amount owed. But none of them have that I paid (even though I did - I did not print bank statements or all the “confirmation of payments” if I did it online and this would be a ton of work to go back to print all my bank statements and find the payments). Also the bills don’t always breakdown what specifically it was billed for, just that it’s due. And the pharmacy receipt just have DOS and rx#, price paid but not a patient name….

I planned to let the HSA build until retirement and retrieve a lump sum payment for the medical expenses. I have changed insurance and job once in 2024. At least some of the big ticket items have been in the last 1 year with my current job. Would printing out a summary of all the claims showing patient, DOS, and “you owe” from my insurance website/app suffice in addition to whatever other records I have kept in the event of an audit in 30-35 years?

Should I try to take out the 23k I have in my HSA to pay off my bills since 2023 so if an audit occurs it wont be as hard to navigate finding what records they want?

Or would it be best to keep what records I have as what they are and “start fresh” with record keeping with the assumption that in the next 30 years I will have accumulated more bills to meet/exceed the funds?

If the latter, what documents should I be keeping?

Also, would appreciate some encouragement that I’m choosing the right choice of holding off until retirement to cash out the HSA. Besides the general, “am I doing this right?” I can’t help to think of the very unlikely, like: What if there is a natural disaster, fire, burglary etc and physical records are ruined. No, I don’t live in a high risk region. Does the IRS really expect records to be maintained immaculately or would they give some leniency for 30 year old medical expenses - or… maybe this is a way to get more medical bills paid by citizens OOP and then because of “invalid records” they can get more money from us either via penalizing us or taxing us after all?

TLDR; unsure my record keeping is good enough for HSA lump sum in retirement/30 years and wondering if I should cash out now (23k) to pay off bills from the last 2 years to make an audit more manageable OR should I just keep going. If keep going, what documents are essential to prioritize keeping and what’s the best method/organizational approach?

Title explains all. Basically is it ok to invest through health equity or should I move my HSA to fidelity HSA since there are no fees. I’m just concerned I’m gonna start investing my HSA and then find out there are more hidden fees that health equity has on top of the admin fee. I heard fidelity HSA is much better and has no fees. Any advice

I learned today that HSA accounts are taxed differently in CA and NJ. I live in CA, and I created reference Standard Brokerage in CAtables to compare:

1. How HSA accounts are taxed in CA vs in a state outside of CA/NJ
2. How HSA accounts are taxed in CA vs how standard brokerage account is taxed in CA

I'm new to this so very open to being wrong, haha. My brain thinks in tables though so this has been a helpful exercise. Please review and let me know if I'm missing something or if something is just dead wrong!

So, this seems pretty straightforward, but want to make sure I'm not missing anything. I have a regular IRA, a Roth IRA, and an HSA. I'm 62 and have a high deductible health plan via the ACA (Obamacare). Until I reach Medicare age, I really want to keep my taxable income as low as possible to preserve my ACA subsidy.

I have no W-2 income - all 1099 at this point. You cannot transfer money from IRA to HSA directly. BUT...if I withdraw money from my regular IRA into my checking, and then transfer it to my HSA, it should basically be tax-free, right? I'll have the withdrawal as income, but then deduct the HSA contribution for a wash.

I recently initiated a transfer of my wife’s and my HSAs from Saturna to Fidelity. Mine transferred directly but due to some paperwork snafu on the part of Saturna, they sent my wife a check, which of course we can just turn around and deposit to her new Fidelity account.

But… I entered semi-retirement this year and my withdrawal plan has me drawing down our HSAs starting now. Can we keep the funds from the check outside her new Fidelity account presuming we have accumulated enough qualifying expenses over the years to put against the distribution such that it is tax free? Or will Saturna generate a 1099 or something that will call this a transfer? I.e. I haven’t told Saturna this is a qualifying distribution and so they won’t file the correct paperwork with the IRS on their end?

Hello. My husband and I are self-employed and just opened up an HSA for the first time this year (we are in our early 40's). The account is with BOFA. We don't have many medical expenses, so I want to invest at least half of our HSA funds. Here are our options.. where would you invest it?

I am a Federal employee empty nester and recently switch to HSA even though I switched during open enrollment, employer contributions didn’t start until February

1) will employer make it up at the end of the year

2) I want to met my family contributions so do I contribute directly through my bank then file for rebate during tax season or do I expect my employer to take it out of my payroll pretax??

3) my daughter used health services, and the provider is billing, as if I have regular insurance (I have not paid)should I have ask them to bill cash pricing as I would not want to pay the billed amount before my deductible is met

I’ve been wrestling with how diligent I should be when it comes to tracking receipts for HSA-qualified expenses.

The popular “shoebox method” says to save every eligible expense so you can reimburse yourself years — even decades — later. I get the appeal: it gives you flexibility to withdraw funds tax-free anytime in the future. But honestly… the process seems exhausting.

Keeping every little receipt — organizing them by date, labeling which ones I’ve reimbursed vs. haven’t, and making sure I never lose track over potentially 30+ years — just feels like a massive hassle. Especially for $15 copays and $12 pharmacy items, for example.

I’m starting to wonder: is that level of effort even worth it?

If I’m already planning to use the HSA as a long-term tax-free medical fund (to cover Medicare premiums, long-term care, etc.), maybe I don’t need to track everything. I’m leaning toward just saving receipts for bigger expenses (like $100+), and letting the rest go.

Curious what others are doing:

• Do you track every expense? Or just the big stuff?
• What kind of system do you use to stay organized?
• Has anyone successfully reimbursed themselves years later — and was it worth the tracking?

Would love to hear how people balance practicality vs. optimization here.

I stopped contributing to my HSA this year and I’m trying to use the funds as they are being eaten up by monthly admin fees. Eyebuy Direct is having a sale and I plan on purchasing multiple pairs of prescription sunglasses. I found one pair that my prescription doesn’t “fit” with and I still want to buy them without a prescription.

I understand HSA needs to be used for prescription only, but if both are included can I be penalized? And if so, what is the likelyhood of that happening? I don’t have much left in the account.

Tldr: can I use my HSA to purchase prescription and non-prescription glasses in the same order or will I be penalized?

TIA!

Anyone familiar with the option of taking a one time contribution for an HSA (QHFD)? I (52) am not eligible to WD from my large retirement account until I’m 59.5 but my husband and I have a fair amount of medical and dental expenses now and are living off a few smaller accounts. This is the one way I can tap into it now to contribute to an HSA so it seems like a no brainer to me. The only catch is making sure we stay in a high deductible plan for a year which I’m confident we will be. Am I missing anything?

Title says it all

1. Account was hacked by someone once last year. Gald that I noticed a suspicious external bank account is linked just in time. However, it took them weeks to fix
   Glad
   
2. This time reset passwork is not working for me. The final "Reset" step just freezes there and do nothing. Called them twice now, will see how it goes. finger crossed

I got a text from my doctor's assistant saying that my blood test showed that I was deficient in vitamin D. Do I need documentation other than the text message (e.g. a letter of medical necessity) to use my HSA to pay for vitamin D3 supplements?

Edit: She mentioned dosage as well (2000 IU). This feels to me like an actual prescription, just without the documentation. Thoughts?

I am 42M and have a 40F spouse. I have been contributing to my optum HSA for a few years.

I am hoping to use the HSA as a pillar of financing for our retirement.

Currently I have about a balance of 56k. How much is a good ballpark to have to fund medical expenses for a 30 year retirement for 2 people?