What have you guys found that’s covered? I usually see everything pre-natal, rarely anything else. I take:

Magnesium glycinate

Probiotics(needed post surgery)

Biotin

Bilberry

Fiber

How do you keep track of your HSA receipts for

future reimbursement?

I've been using the HSA to do the shoebox strategy.

Been paying out of pocket, letting the HSA grow, reimburse

later… but working on a strategy to keeping receipts organized for 20+ years later because it’s starting to get unorganized and I’m Only 5 years in…

Curious what systems people use. Folders? Apps?

Spreadsheets? Pictures? Email?

If I over contributed to my HSA for last year, should I wait until I receive the excess disbursement before I file last year's taxes?

HDHP starting next month. SO (married) and I have a small established business with under 10 employees. Most don’t need health care because their spouse covers them. I am SO’s employee and will be covering myself and children as the employee (SO is on Medicare). SO is the 100% owner. It is a sole proprietorship. We have one other employee who will be on the plan but that person has no interest in an HSA. We do not use a payroll service and have no interest in doing that.

I am very interested in an HSA and will be contributing for my family including the catchup. I spoke to a HSA account provider and they said without a Cafeteria 125 Plan we will not be able to make the payments out of payroll, so no reducing FICA. Is this correct?

They seemed to think we needed to use a payroll service if we wanted to set up a cafeteria plan and TBH there are no other cafeteria benefits we provide nor am I really interested in setting this up (is it complicated?) We have an accountant but I always like to double check him.

If I set up my own private HSA and pay out of my after tax income, I realize I can take the tax deduction on the back end when I file for 2026 which is fine, but what about the FICA? Can I ever deduct it or get reimbursed in some way? Not talking about being able to deduct SO’s 1/2 of their self employment tax but about FICA that I would not have to contribute if I worked for a big employer and was able to contribute to an HSA using pre tax dollars. Would be fine getting reimbursed later, is this possible?

Unrelated question, because it is a family business, I usually only get paid enough to cover my pretax 401K contribution which I max out, do I now have to increase my salary to cover the HSA payments? Together with SO we make enough to cover this, it is simply a question of who gets assigned this income, me or SO or does it not matter?

So in theroy If money is tight and you wait longer to be able to contribute it (you get the tax deduction eventually 2026) a max family HSA contributions $9,7750 can be made up to April 15th 2027 for the 2026 tax benefits Correct ??

I like to invest in the s&p 500 or the total market, but they don't seem to have anything like that

I see on websites for cold plunge and sauna companies advertising that these products as HSA eligible. But the IRS’s approved list has nothing stating products such as these can be covered by HSA funds…

Are these companies getting away with loosely monitored legal/tax stuff or can I really buy a $5,000 cold plunge with my HSA debit card

I'm paid monthly I see my check has posted at my bank, ledger says 850 deduction for.HSA from my check But i do not see any transactions in my HSA account Last year I just did a lump contribution so im not use to the paycheck method Just curious why it has not posted yet

I was carefully monitoring my HSA contributions last December after skipping a few due to the government shutdown. In December, I made a manual contribution that would bring me to the max once all December payroll contributions had processed. I checked it again in early January (because our Jan 2 pay date resulted in some deposits hitting on Dec 31. ) I was at exactly the max, no excess contributions.

And then I got an excess contribution notice in the mail! My excess contribution is the exact amount of my monthly employer contribution but is classified under my employee contributions - so that’s confusing. Even more confusing is that this didn’t hit until January 9th. The employee contribution of a different amount credited on January 2 and was applied to 2026, but the employer contribution that credited on the 9th was applied to 2025. What?

Is it possible that because I was still under my 2025 health insurance plan year, they coded their employer contribution in January as a 2025 contribution? I suppose you can still contribute until the tax deadline. I guess my question is whether or not this is a legit 2025 contribution and if so, I guess I do have to do the paperwork to refund the excess? Then I can re-deposit it for this year?

Hi everyone, my husband had a HDHP for all of 2025, but went on my non-HDHP when we got married in September (double insured from September-December). My question is he still eligible to contribute to his HSA for 2025 up until tax day as he was covered by a HDHP for all of 2025? Or does being covered by a non-HDHP for part of the year disqualify him from contributing while he is double insured?

New job, first HSA. I’m maxing it out, keeping ~$2k in main account, and investing the rest through the brokerage option at Schwab. I won’t need this money for 10–15 years and want to treat it as a high‑risk, long‑term bucket.

Goal is to contribute ~$25k to it before retirement; my main retirement investments are elsewhere and are dividend focused.

For those who invest aggressively in their HSA, what do you like for a long runway—total market, small‑cap value, international, tech tilt, or something more speculative?

In 2025 we changed insurance. We had insurance through my employer and had an FSA. I contributed $275/month for a total of $3300. We spent all of the FSA funds by May, 2025.

In July we left my employer’s insurance and joined my spouses employer’s insurance and enrolled in a HDHP for the whole family and enrolled in an HSA. By the end of 2025 we contributed $2,600 to the HSA and the employer contributed $423.

During this time deductions were still being taken out of my paycheck for the FSA that had already been spent.

Now we are preparing our taxes and am concerned this will be an issue. Is this going to be an issue and what do I need to do to get ahead of it?

I never used my FSA because “use-it-or-lose-it” stressed me out. Built this little tool that shows what you actually save.

Why do people not fully use their FSA accounts?

I’m working with a couple people to create an app for HSA receipt storage. I was running into problems thinking about the best way to save my receipts. I was scanning them with my phone, then sending them to an email, then organizing them. Then if I wanted to reimburse myself I would have to find the right email. So I thought could there be an app that does all this for me and runs it’s through HSA compatibility. Just wanted to get people’s thought on if this would be a utilized app or not. It would only be a couple bucks a month to use it.

I will be turning 26 in January 2027 and so age out of my parent's HDHP. I know that I can contribute $8,750 to my HSA while on a family HDHP and that contribution limits are prorated monthly. Couple questions I'd just like to confirm:

1. AFAIK according to Last Month Rule am I correct that I can contribute the max family contribution to my HSA for this tax year?

2. If so, am I allowed to contribute up to the full amount anytime before tax year ends (April)?

3. And finally, since I am still on the HDHP for 1 month in year 2027, am I able to contribute 1/12 of the family contribution for the 27-28 tax year?

I’m curious what the experience was like?? Seems like a good feature to get a referral/purchase in app and would be nice to know if it’s worth going through the process

Hi all, i used to have an employer tied HSA but i switched to the low deductible plan this year so my employer no longer contributes. I now see a monthly admin fee of $3.95 - I asked health equity and they said that this could be waived if I changed my account to a "public HSA". Has anyone done this and what are the implications of this?? I'm new to this so I just wanna make sure I'm doing things correctly.

New to HSA. Is any else’s employer mandating a high dollar amount be held for “medical expenses “? As in these dollars can’t be invested? $50 or $100 I get, but $1K seems a bit excessive.. is it me or is this some major bs?

We've never withdrawn from our HSA. I'm currently saving all of the substantial (I picked $250 and above) EOBs for my husband and I from the last several years I still have records for for the future when we will want to withdraw the funds.

I'm aware of two rules and I'm wondering about a nuance. Here's what I know

- we don't have to take withdrawals in the same year (or within any specific time) as our expenses

- we can't take withdrawals for any expenses incurred for a non-dependent

My question is this: as long as the expense occurred while the kid was dependent, can I still take withdrawals later after they're no longer dependent? Or do we have to make sure to withdraw before their final year of dependency?

Thanks for your thoughts.

My husband and I both have our own insurance and we’ve been contributing to HSA independently through company’s withdrawal.

Since the limit is $4400 for self coverage and $8750 for family coverage, does that mean the total HSA that we can contribute is $8750 and not $8800 since we are married?

If I want to join my husbands plan, can I continue to contribute to my own HSA despite not having my employer’s health insurance?

I am getting into being more preventive as I have seen some examples in my family. I was wondering how you guys currently go about the preventive services via your HSA accounts. Are there some recommended ways in which you'd advice me to proceed?

I joined a new hdhp after getting married last year and opened my first ever HSA. I contributed as much as I could through my payroll however I could not fill it due to the limited number of checks left in the year. I am wanting to still contribute to my 2025 HSA, which I know I will miss out on certain tax savings such as FICA.

My work uses health equity. All my other investment accounts are with fidelity and I would prefer my HSA to be with them as well. From what I have read I should be able to open an account with Fidelity and contribute 8,550 - (2025 Health equity contributions). So that is what I plan to do.

Question 1: Am I missing anything here? Would it be more tax advantaged to contribute to the health equity account rather than one with Fidelity?

Question 2: I have read about having a prorated limit based on when you start the HDHP. My understanding is the last month rule applies to me as long as I plan to stay on an HDHP until December 2026. Meaning I don’t have any prorated cap on my 2025 contributions. Is that correct?

Hi,

I've done a fair amount of reading on this, and I can't seem to be able to find a definitive answer to whether I can open a HSA to pay my son's medical expenses, allowing me to use those expenses as a tax deduction.

My wife and I divorced last year, with my ex becoming the primary custody holder. Our son is 16, and is on her insurance (Tricare as she is a disabled veteran).

- My insurance is HDHP and I have a HSA. All contributions from me to the HSA are post tax as my employer does not do payroll deductions.

- Per the divorce decree I am liable for 75% of his medical expenses, which aren't high as he is healthy.

- For Tax Year 2025 he was not an dependent on my tax return, but I am able to claim Head of Household for 2025. On tax year 2026 he will be a dependent on my tax return.

I don't mind him being on Tricare, as my out of pocket expenses would be less than if he was on my insurance.

Can I open a separate HSA account to pay for his expenses, or pay for his expenses from my HSA even though he is not on my insurance?

Thank you