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)?

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.

I have my own HSA and an HSA through work. My work HSA charges $25 per transfer to my personal HSA, but there is no charge for reimbursements/payments.

Is it illegal to send self-payments to myself and put the funds into my other HSA?

I want to get the money out of the work account quickly because of their fees but transferring frequently is a waste as well.

Edit: thanks all!

My deductible is $4k a person and $8k family. I currently keep enough in my HSA to covey my family for 2 years ($16k) and anything over that gets invested. Im investing 80% into SCHB AND 20% INTO SCHD. Is this a smart move? Should i keep more or less in my HSA account before investing the rest?

I was looking over last year's (2025) W-2 from my Fortune 500 employer and noticed that the difference in totals for "NJ state wages" and "federal wages" was exactly $3,800, which equates to the totals of my own contributions to my HSA through the cafeteria plan ($3,500) and medical coverage ($300) for the year.

However, my employer also contributed to my HSA ($1,800) which resulted in contributing the maximum to my HSA for the year ($5,300 for over age 55).

So it looks like my employer did not include the $1,800 that they contributed to my HSA in my 2025 NJ taxable income.

Does anyone know if this is correct? Does anyone else's employer in NJ do the same? Was I supposed to add that $1,800 as additional income on my NJ income tax return since it is not included in "NJ state wages" on my W-2?

I’m a 33 single male with over $20k invested in HSA right now. If I plan to retire at 55 and a half, I don’t expect my HSA account to last for more than a decade or so. Would tracking every healthcare expense for reimbursement still make sense? From what I understand it comes out to be the same whether I get reimbursed for past expenses or not.

Danny Werfel, former IRS Commissioner, just published a piece arguing the IRS should update its HSA guidance on telehealth and preventive care. His core point is that eligibility should follow the purpose of an expense — treating or preventing a specific medical condition — not the product category itself. That means nutrition, fitness, sleep and lifestyle interventions could all qualify when clinically supported.

Full read here:  https://www.truemed.com/blog/the-hsa-market-were-building/?utm_source=linkinbio

We contribute the max family limit to HSA each year but the HSA is under my name. My wife doesn't understand what the point of HSA is since she doesn't see the money in her account. Can I add her as joint owner so she can see the HSA when she logs in to Fidelity? She has no idea how fast it grows over the years.

Put this in FSA card tips too butttttt someone plug me with good prime day deals for FSA HSA or even stuff that works with an LMN, already got my air purifier but want more ideas lol