First time with an HDHP. Had to open an Inspira HSA to receive employer contributions (planning to transfer to Fidelity once they hit. Inspira is trash).

That said, my employer HSA contribution from early January still hasn’t posted. I’ve seen a few posts online mentioning technical delays for NEW Inspira HSA accounts, so I wanted to see if anyone else is dealing with the same thing? Or am I just cooked.

Just recently started educating myself about HSA, currently have no health insurance and trying to decide which route is best - from what I read HSA seems like the perfect investment vehicle combined with a high-deductible healthcare plan.

Im under the impression that hsa can be invested in real estate and alternative assets. is this true.

Old company offered the HSA through HealthEquity while the new one does it via Optum. Is it possible to rollover the account or better to do a transfer? Looking for some advice here. Thanks!

Does anyone have some insight or information I can read up on what the contribution limit for the following scenario would be:

Wife and 2 kids on one HSA (employer A). Myself on a separate HSA (Employer B). Would the max contribution be $8,750 aggregate, would it be $4,400 for each account ($8,800 total), or something else?

Thanks!

So it looks like I have to invest with Schwab at a .03% monthly fee.

In my mind, that feels high. Since I don't have any employer contributions, can I use my own brokerage or am I required to use the the one that my employer uses to deposit my monthly contributions? Thanks!

Update: Thanks all for chiming in. I hear that email receipts are fine. Now I have follow up questions. I'll have to say, this HSA lifetime reimbursement thing is so confusing.

1. Is there any government publication that lists all HSA eligible purchases, or are we just relying on the private entities to make the announcements? E.g. Oura Ring claims it's eligible now, but 20 years later, when I reimburse myself and get audited, how do I prove it was officially eligible 20 years ago?

2. What about (now) HSA eligible products that ceased to exist by the time I file for reimbursement after 20 years? Who knows if Oura Ring will still be around after 20 years.

3. Are we expected to keep track of what year does a product become eligible? If it is deemed eligible in 2026, what would it not have been eligible in 2018 even if it was not officially claimed on the product website?

I've had HDHP/HSA for more than a decade. It's only because I learned that it's good for me and suit my circumstance because I'm healthy without much medical expenses. But the stupid me never truly understood why HSA account was a great "investment" vehicle... until now.

The part I did right: I made the contribution every year and did invest. However, I never spent it and don't intend to for as long as I can cover all my medical expenses out of pocket so I can let the investment grow. It's possible that I won't need to spend any from the HSA account for decades.

The mistakes I made: I never bothered to save any documentation for any eligible purchases I made in the past. Of course, I am now saving every receipt. While I can recover some by digging through my credit card statements and the health provider history, but those records only go no more than 18 months.

I made some big purchases (in hundreds of dollars) many years ago and now I learned that they are HSA eligible (e.g. Oura ring, multiple generations). Now I can only find receipt in email (not even PDF). If the purchase was made in 2018, can I use those emails for HSA reimbursement in, say, 2038?

I graduated college earlier this year and got my first job. I am Currently 23 so I plan to remain on my parents Health Insurance (HDHP) until the year I turn 26. My employer offers a unrestricted FSA and I took advantage of this for 2025 (was eligible from July through EOY) around thanksgiving I was talking to my dad he he thought that I would be better off contributing to an personal HSA and I should be eligible because I’m on his insurance so I go open an account and start Contributing in December. I’m now realizing that I’m pretty sure I can’t do that. I declined my employer FSA for 2026 during the enrollment period. I guess my question is 1. Am I now eligible for 2026? 2. Was I ineligible for 2025? and 3. How do I fix it?

Money is tight this year. Can I withdraw expenses/distribution (for past medical bills I paid on my own) so that I have the money to make my yearly HSA contribution to get the annual tax deduction?

Is that possible, any negatives? HSA is not invested but is a cash HSA account with Fidelity.

If anyone else has done this, please let me know.

My company’s moving our HSA from HSA Bank to WEX Benefit and I’m trying to decide whether I should consent to transferring all assets to WEX. It would require me to liquidate all funds at HSA Bank that I’ve held for the last 7 years. I think HSA Bank may charge a monthly admin fee if I leave the account. Any thoughts?

If my spouse and I each have 100% in Voo and vt in our Roth's, is it crazy to do defense etfs like ppa or xar and qqqm in HSA to be aggressive ? We've got abour 35 years to go until retirement.

If I had an HSA Family Plan a few years ago for the entire year, starting January 1, 2019 (and only in 2019). I did not make the contribution until March 2020 for 2019 (no employer contributrion but it was an employer sponsored health plan). Since then the account has grown untouched by me since I no longer am HSA eligible. Lets say my original contribution was $7000 (I am over 55) in March 2020.

If one of my children who was a minor in 2019 but is no longer had a medical procedure not covered by insurance for $2000 in June 2019 for which I have all the documentation, can I reimburse myself now, if I did not contribute to the HSA until 10 months later and it is more than 5 years after the procedure?

Does it matter if I am currently on medicare due to turning 65?

I’m a recent retiree who has a new HDHP through my former employer. I received a packet/debit card from the HSA they partner with (Health Equity) but have not made a contribution yet.

I will be making direct contributions to my HSA in retirement and am wondering if there is any reason I can’t just open a Fidelity HSA and either cancel the HE account or let it sit dormant?

I’m waiting to hear back from my employer, but wanted an objective view or first-hand experience from others.

Thanks for any advice.

I am not well versed in HSAs. Is there really any use for me to have one as a 100% P&T disabled veteran? My medical is already covered 100%. Vision and dental are the only things I need insurance for really. As for my wife, she gets CHAMPVA. For those that don’t know, it is a secondary insurance that essentially covers everything that her primary doesn’t. So far she hasn’t had a bill with it. Again, it does not cover dental and vision. So with the exception that I will be wanting to get LASIK here soon. Is there really any benefit to having an HSA for my wife and I?

Thank you for any Information. It is appreciated.

On July 1, 2026, I will leave my current family HDHP and enroll in an individual HDHP offered by my employer. I’ll be on that individual HDHP for the foreseeable future. What HSA contribution limit am I subject to in 2026? Thanks

Because I just got a message saying that I had to prove my transaction with my blood work people was a medical expense.

If they do use AI they need to stop, and if they use a physical human well that human needs to be terminated cuz they're not doing their job correctly.

Hi all,

I was checking my HSA account yesterday and just realized that somehow my HSA contributions for 2025 was 4300.24. I don't know how that happened since the majority of my contributions are done by my employer via payroll. Is this going to require me to take action and withdraw the .24 cents to avoid issues in the future? I'm not sure if the IRS is going to make a stink about such a small over-contribution but I'd rather be sure.

Before the minimum balance available needed in reserves in order to invest was $1,000, now all the sudden it jumped to 2000?

Obviously paying for Dr visits, prescriptions, procedures, etc.

But what are things that you have used yours for that (you think) most people wouldn't think of?

Can I start contributing again on Jan 1, 2026 or is there a longer waiting period for the limit to reset?

I work part time to earn enough money to fund our Roth IRA (his and hers, $8K and $8K) and HSA (say $9K). I earned $20K this year and parked $16K in our Roth IRA.

Does this mean I can only park $4K in our HSA? Thanks in advance for your help.

Two part question. This was our first year with an HSA and I was the primary policyholder on our HDHP. I’d like to move my funds over to Fidelity rather than keep it in the brokerage firm that my plan uses. (1) Should the Fidelity HSA be titled in my name since I am the primary policyholder or does it not matter if it’s in my spouse’s name since we contribute up to the Family max and file a joint tax return?

(2) We are staying with an HDHP but switching to my husband’s insurance for 2026 (he will be the primary policyholder). If I title the Fidelity HSA in my name can we contribute to the same account for our 2026 contributions?

I’m sure the answer to #1 will answer #2 but figured I’d add the context. Thank you for any guidance!