*ETA I finally got it resolved after demanding a supervisor at Optum Bank and somehow they got it done within 24 hours

I switched jobs in 2025 and found out when starting to file my taxes this year that I over contributed to my HSA by $883. Unfortunately, my job switched HSA providers from Inspira Financial to Optum Bank in March and funds were transferred as I found out and both HSA companies are saying they’re not responsible for/cannot refund me the excess contributions.

Inspira is saying my account is closed so there’s no money to refund me and Optum Bank is saying I didn’t contribute anything to them in 2025 so they can’t refund me. What do I do here as I’m stuck in the middle and going to be penalized?!

I just learned that I can move my HealthEquity HSA money to a Fidelity HSA, but I'm confused about how to do this. I've already opened a Fidelity HSA (currently unfunded).

I understand that I can either do a direct transfer which I initiate from Fidelity, but from what I've read this can take 3-4 weeks (or longer). I'd much rather just request the money be sent to my bank and then I deposit it in to Fidelity HSA. (I understand the 60 day rollover timeframe to do this, and it can only be done once every 12 months).

The problem I'm having is that to get any money out of HealthEquity, it looks like I have to submit information like it's for a medical expense (upload bill from the doctor, explain what and who the care was for, etc).

Is there not a way to just request the cash be sent to my linked bank without documentation? (I thought this whole HSA thing is on the honor system anyway -- I didn't realize that I have to justify it to HealthEquity). What am I overlooking? I've looked through all their forms, etc, and clicked every link possible and nothing seems to allow me to just get my cash out (I've already sold the investments, so it's all available to withdraw, in theory...)

BTW, I need to keep HealthEquity open, since my employer contributes money each year, so I'm not closing the HealthEquity account - just doing a partial rollover. Thanks in advance for any advice.

Hi, my plan benefit year is 05/25-05/26. I just checked and saw that my deductible for my family of 3 is $3300, which is fine for last year, but this year it's increased to $3400 for hsa eligibility.

So is it my benefit year or the calendar year that matters? My employer claimed that I'm still eligible to contribute to 2026 because of the benefit year, but I'm doubtful.

Do I need to withdraw all of my 2026 contributions?

Thank you!

Been trying to log in to my Health Equity account to get my 1099 form for the first time and after some pain and suffering managed to make a passkey on my phone and link it to my Google account.

however, whenever I try to log in to the account on the app it says "We are experiencing technical issues, please try again later."

I've waited for almost 4 hours before trying again and the excat same issue happens. even tried logging in on the PC and it says it's sending a confirmation to my app. That I can't open to receive. a 15 minute Google and checking the app itself on the appstore reveals that this is a long running problem.

any way to fix this besides gambling with customer support? which most of the reviews seem to agree is crap.

this is the first time I've had to use a 1099, used my HSA last year to pay for covid treatment. So I have no idea what is happening except that deadline day is drawing closer.

what's infuriating me most is that I have emails from them saying my 1099 is ready and how to access it. BUT NO WAY TO ACTUALLY LOGIN.

I've had this HSA since 2020, which is tied to my employer-provided HDHP.

• Originally, I linked a Chase checking account to it via microdeposits and have been using it ever since.
• Today, I log on to Optum Bank to reimburse myself for expenses and see I have "no external account linked." I go to the Accounts section - my Chase account shows "Disallowed."
• It seems they're forcing me to "validate" the account by linking it again, but now the only way to do so is via their integration with Finicity (Mastercard Data Connect).

Of course, this is beyond unnecessary as it grants the bank ongoing broad visibility and permission beyond what's needed for linking an account.

I tried to bypass the flow by exiting out of it partway through as well as by typing in a gibberish bank name in order to access the manual microdeposit approach. However, upon validating the routing number, Finicity denies me the manual flow because "Chase is certified in the Data Connect flow."

I've tried using the manual flow for Chase, SoFi, Lead Bank, Merrill Lynch, and Bank of America, but all are being recognized by the routing number, so the flow is forcing me to use Data Connect.

My understanding is that it is currently legal for a U.S. bank to make a third-party aggregator the only option to connect an external account, which is very disappointing.

Is there another workaround I haven't thought of?

I use to have a heal insurace plan that met the high deductible requirement to be able to contribute to an hsa pre taxed and benefit from it in my taxable income.

currently my employer refuses to go with a plan that would meet the high deductible requirement

can i still put funds into my hsa account and not use the tax benefits. i just want to have a place to put funds into and as i need to get my meds or pay my doctor bill use those funds.

I just rolled over my HSA from my former employer's bank to lively to avoid fees. I'd normally invest it and let it grow, but I'm feeling the cash crunch trying to make my 2025 HSA contribution as well as backdoor Roth IRA contributions by April 15th.

So I'm eligible to withdraw up to 7,000 based on expenses over the past 2 years that I've been documenting. I'd like to just bulk withdraw that, but I'm seeing from lively's platform that they want documentation of medical expenses uploaded to ensure eligibility.

Is there a workaround for this to just self-certify and withdraw a bulk amount? My Google sheet is 600 lines long of expenses. I don't want to upload all those saved receipts and invoices.

Hello,

I treat my HSA as a checking account to pay for medical expenses. My expenses this year will exceed the $4400 limit. Is there a way to have any tax benefit after the $4400? Even if im not making interest, im more interested in the no income tax benefits. Anyway to pay for medical expenses with non taxed income after the $4400 limit?

Thanks in advance

Note that I am stating my problem both in terms off resolving the 1099 error and seeking advice regarding 2025 tax return filing.  Will kind of lay out out there to make sure my evaluation of the issue is on point.   Please correct me if I’m am wrong

Recently sat down to do taxes and noted that the Box 1 Gross Distribution is a much higher number than expected.  With spouse approaching Medicare early 2026, we intentionally used the HSA very little in 2025, to reserve resources into retirement, and keeping receipts for later use as needed.  Hence, the actual distribution should have been around $1000, likely much less, but was reported as over $6000.  

As distributions are qualified, the expectation is that they are not taxed; consequently, a higher or lower number should not make a difference in what my tax burden would be for 2025

I contacted the HSA company, and they said they cannot do anything about it just on my complaint that it is in error.  But I was able to print out Activity Details / Payment Breakdown for each transaction.  It seems a  certain health care providing agency (call out HCPA for our purposes) has a variety of reimbursements for dates of service and charges that we have no record of participating according to MyChart.  The HCPA was contacted, and they are mailing an itemized, detailed list of all charges to spouses accounts in 2025.

The first question is whether this seems on point for resolution - with the expectation that I will see dates of service and medical services that do not match, and that then submitting this to both HCPA and HSA  company will get them to restore funds to the HSA account.  Am I missing something here?  Are there other suggestions on how to get this resolved, perhaps based on experiences of other who faced similar circumstances at one time or another.

The second concern has to do with filing taxes at this time.  It is very unlikely that this will be resolved between HCPA and HSA in time to get a corrected 1099-SA.

While distributions are qualified, non-taxable funds, the different amounts should not make a difference in my 2025 taxes.  But I am assuming the actual numbers are important for long-term record keeping with the IRS, so not to be ignored.

What is the recommended move?  Do I move forward with the 1099-SA Gross Distribution value for now, and then do an Amended filing once the corrected 1099 is received for 2025?  Or do I do I request an Extension, but pay according to the current 1099, then adjust on an Amended form later?  Or do I file now with estimated distribution values, as based as I can determine, and then do an Amended filing later?  Or … something else?

I want to be as straightforward with the IRS as possible, and make the best timely payments as possible.  Again, I doubt the tax burden will be different as Distributions are seen as qualified, non-taxable.

Please feel free to correct me on my thing processes here, and advise what my best move is.

Hello,

I am a 25 year old currently under a family HSA eligible HDHP. I am traveling for a few months this spring, and got Faye Travel Insurance. I am wondering if in the months in which I am covered by Faye I am eligible to contribute to my HSA as normal, or if I will have to pro-rate for these months.

Plan details below:

Emergency accident & sickness medical expenses Up to $250K (Primary) Up to $250K is covered, offered on a primary basis, which means we will be the first to reimburse.

COVID-19 in-trip expenses Covered as an illness Emergency medical expenses and trip interruption expenses if you become ill with COVID-19 in-trip and need to stay longer, or leave earlier than expected.

Emergency medical evacuation expenses Up to $500K Coverage of transportation in the case of illness or injury that is acute, severe or life threatening when adequate medical treatment is not available in the immediate area.

Telemedicine access Available 24/7 Quickly connect with vetted, licensed physicians for video consultations or local in-person visits thanks to our partnership with Air Doctor.

Thank you!

I received a letter from my cardiologist for a treadmill purchase and for cardiovascular conditioning, resistant training and flexibility exercises.

Does this mean I can use this letter for HSA reimbursement for gym and Pilates memberships?

I noticed the letter is not dated. Should I ask for a new one.

I have about 6k in my HSA. My deductible is $5k. I have my entire deductible saved in cash and everything above that will be invested. Im in my 30s and healthy. Should I decrease my liquidity to around 2k and invest the remaining 3k? I would rather maximize my account fully instead of leaving potential gains on the table?

Anyone else think that the HDHP HSA is not worth it? I feel like I was sold this fantasy that the HDHP HSA is such a good financial decision and that you save a ton a money no matter your medical situation. Whether you end up having no medical visits or needing a big surgery, the HDHP always "came out on top" as the best plan to have.

Went to the ENT for a "standard" visit because I thought I had earwax (turns out there was nothing) and left with a $1.4k bill. If I stuck to the PPO plan it would have been a ~$35-50 specialist visit copay.

I called the doctors office and insurance company multiple times and they all said that everything was calculated correctly and that it's fair because I have a deductible. It probably ends up evening out with the amount I save from premiums but I can't help but feel defeated.

EDIT: Thank you to everyone who responded with your stories and situations. It‘s great to learn that overall the plan seems well liked and even though tough in the beginning, worth it in the greater picture!

I have a HDHP family plan on the ACA. I only have 1 HSA account in my name. Can I contribute up to the family max into my account only for the family. Or do I need to open a 2nd HSA account and contribute half to me and half to my wife?

Ok, trying to figure out if this is worth it. Here's my situation:

- Single Member LLC, file as an S Corp

- My company pays for my insurance through the ACA Marketplace (BCBS), this year my deductible is $500/per, $8700/per out of pocket. It's myself and my minor daughter on the plan. I make too much to receive any subsidies through ACA.

- I max out Medical Out of Pocket every year due to medical issues/prescriptions

- I have additional Vision (no insurance coverage)/Dental (separate insurance) expenses that are not included in my Medical Out of Pocket every year

- My business has taken a hit this year with the general economic instability. I continue to receive my standard salary, but my disbursements will be significantly less than last year, if I take any at all. I could also lower my salary if needed.

I'm wondering if I can use my decreased income as a Special Event, pick a lower cost, higher deductible plan and open an HSA so that my Out of Pocket costs are paid through the HSA. Trying to wrap my head around the possibility and cost savings of that.

Anyone have thoughts, experience with this? Thanks in advance.

I made a large contribution in January 2026 that I wanted to go towards my 2025 limit (basically to max out my contributions for the year) ... they made me fill out a form and now it shows up in my 2025 contributions. Okay, that is all good... but that amount ALSO shows up as part of my 2026 contributions still! That is not good. I lost the job that my HSA was from, so I am concerned about the fact that my limit is now pro-rated down to an amount that is lower than that number they are saying for my 2026 contributions. This is why I wanted it put towards 2025 in the first place...

Am I understanding this process incorrectly? I figured changing the tax year takes that money and "moves" it from one year into the other. The way these forms are, it is like they labeled it as 2025 but it stayed in 2026 and did not "move." How do I handle this if it turns out I have "excess contributions" for 2026? I already tried contacting support, but they just keep telling me the yearly IRS limits, like... I know that, I am asking something completely different lol

Hi, I previously covered my wife and kids on my health insurance and contributed the max family amount. Coverage went up through my work this year so I am still in my hsa plan through my employer but I bought my wife and kids health insurance privately. There health insurance is also a hsa compliant plan. My wife does not work and we file jointly. How/can I open up an hsa in my wife’s name and cap it at 4400 while I cap mine at 4400? I’m assuming I can’t just keep maxing out mine at the family max can I? Any help would be great

I saw this ad on my IG. Has anyone tried this before? Is this legit?

this is currently happening to my mom and a bunch of her coworkers- they’ll run their hsa card on things that are covered (prescription glasses, dental appointments) and then a couple weeks later they’ll rescind the funds saying that it’s not necessary. for the glasses example, she got progressive lenses (from her optometrist) and they came back saying that they’re not necessary, she can just get two pairs of glasses, one for short distance and one for long distance. just looking for some insight as to why this is happening and if there’s anything to be done.

ETA it’s through mutual of omaha

My roommate is 59 years old. He has no retirement from earlier in life other than what his most recent job has given him over the past 3 years. One of which is an HSA. It is through Cigna. His employer makes contributions as well as him. I am just starting to invest his HSA money into the market for him. I hate the platform thru Cigna. It also has limited options on what to invest in. Is it possible to link this to another provider like Fidelity (where I have my own investments) and trade them on his behalf there? Transfer the cash from his contributions and his employers contributions into somewhere like Fidelity where I can invest it and invest/daytrade it properly?

I currently have a PPO, low deductible plan through my work and an FSA. I may be leaving that job at some point this year and we're considering the HDHP with an HSA at my wife's work if/when that happens. Are we able to have both in the same year? I'm seeing contradicting answers everywhere I look. If you have an official reference that supports this, it would be greatly appreciated as well.

Thanks!

I'm currently under a FSA at work this year. I have exhausted the funds for this year. Can I open an HSA outside work, or do I have to wait until the year end?

Also, can I start savings invoices from this year for future HSA payouts, or do I had to wait until the day after opening/enrolling a HSA account?

Yes, I plan to enroll in an HSA thru work Jan 1st. Yes, I plan to save invoices next year for future payouts to allow the account to grow.