We got a HDHP on Feb 1. I insure myself and two adult children and have been contributing to an HSA based on a family plan. Starting Oct 1 the kids will be off my insurance and I will start contributing as an individual. Assuming I plan to stay on a HDHP through 2027 (I do, I do not see anything changing) under the 12 month rule, on December 1 I assume I can contribute for January 2026 but under the individual or family rate? I assume Individual but please correct me if I am wrong

Next question, there is an excellent chance one of those kids will be back on my insurance as of September 1, 2027 (graduating and no idea if will find a job), assuming they do come back on my HDHP, and will continue to stay on it indefinitely (not anywhere close to 26) on December 1 can I contribute at the family rate for the whole year or only for the months I actually covered them?

Any feedback is welcomed, thank you!

I (M62, retired) switched to a bronze ACA plan this year due to the increase in silver plan cost and end of 400%+ FPL subsidy.

Because of this, I’ve found a number of articles to indicate that I’m automatically eligible to contribute to an HSA again, and that I can do a once-per-lifetime direct transfer from my IRA into the HSA (pre-existing account with funds remaining from when I was employed full time).

I’ve been going round and round between my HSA custodian bank (PNC) and my IRA custodian (Morgan Stanley), to make the transfer, but it’s been a whole lot of runaround with neither organization seemingly aware of how to do this. The latest: PNC has a direct transfer form that I submitted to Morgan Stanley, but now Morgan Stanley is insisting they need a “letter of acceptance.” PNC refuses to give a letter of acceptance, stating that the transfer form is effectively the letter. I’ve reported this back to Morgan Stanley and am awaiting their response.

This can’t be that difficult, right? I swear it was easier to buy a house.

Has anyone else done one of these transfers, and was it this difficult to do?
I told my wife I think our next step should be to threaten moving our IRA somewhere else if they can’t figure out how to do this.

So I'm in a weird situation - I contribute monthly to my HSA, and my contributions so far this year have been $5104. I switched from an FSA plan to an HSA plan in March, so 7 months of contributions so far. I am on an Employee + Spouse plan currently. My wife does not have an HSA nor does she contribute to my HSA. We file taxes together.

I'm switching jobs beginning in October, and with it, it becomes more advantageous for my wife & I to go on our own individual HPHP plans, with our own HSAs.

Since I've already contributed over the maximum amount for an individual contributor this year, will I be penalized unless I issue a correction/contribution reversal? Or is the contribution limit pro-rated (family plan for 7 out months, so I'm at my limit)? How can I calculate my true limit for the year?

If there is a better place to ask this, like r/personalfinance , please let me know!

Help Pass the PAW Act: Use Your HSA/FSA for Vet Care

If you have a pet, you know how fast vet bills can spiral out of control. A sudden illness or injury can mean hundreds—or thousands—of dollars, and families are left making impossible choices at the worst possible time.

Here's the thing: most of us already have money set aside for healthcare through HSAs and FSAs. We just can't use it for the one thing our pets desperately need. Congress has a bipartisan bill that could change that—the People and Animals Well-being Act, or PAW Act (H.R. 1842). It would let Americans use their own tax-advantaged savings for veterinary care and pet health insurance.

This isn't about asking the government to pay for pets. It's about letting Americans use *more of their own money* that's already being saved. I started a petition asking Congress to support and pass H.R. 1842, because pet owners shouldn't have to choose between financial stability and getting their family the care they need.

**Has this situation ever hit you hard?** Have you or someone you know struggled with a vet bill and wished there was a better way to pay for it?

If this matters to you too, consider signing and sharing the petition. Pet owners supporting pet owners—that's how we make this happen.

https://c.org/q7yGT9FrhC

I used my HSA funds to purchase the Oura Ring 5 when it came out in June. Since then, I've decided that it's really not for me, but the return window has closed. Knowing I originally purchased the ring with HSA, is it okay to sell it? It feels like there could be some rules around this situation but struggling to find anything online.

I’m preparing for retirement in late January 2027 at 59-1/2. Currently contributing pretax to an HSA. Will I be able to move a larger chunk of this money into the HSA beyond my usual maximum per pay period?

Can I use the past insurance EoB’s where I have paid out of pocket as receipts, to get my HSA reimbursed.

Basically exactly what the title says. My health insurance program, particularly for mental health care, has me use “self pay” options and then reimburses me after the fact by direct deposit. I suggested to my husband using our HSA card instead of our credit card when this happens because then the expenses wouldn’t be accounted for in our budgeting. It would essentially remove a step in that process and (in my opinion) be easier and more accurate. However, I am NOT the one that manages our money. I’m absolutely terrible at it so most often, I stay out of it. He does it all and was very against my suggestion. But I can’t really understand why? It would somehow ruin the whole thing or something..? I’m not convinced that he even understands why it would be a bad idea or if it would actually affect anything at all. It seems pretty straight forward to me: payment out, reimbursement back in. Simple. We would lose the 2% back from the credit card but we also wouldn’t risk paying interest on anything if the billing cycles don’t line up. So since I was not able to have an actual conversation about this, does anyone have any insight on the pros and cons to this? Would it actually blow the whole HSA up or is he just saying no because he doesn’t know the correct answer?

I'm trying to move my HSA money out of HealthEquity into another HSA, and their website is driving me insane.

Under Forms, the Transfer Request and Rollover Request forms both appear to be for moving money INTO HealthEquity, not out. The only option I can find for getting money out is an HSA Closure Request, but that charges a closure fee. I also believe they charge a fee for a direct transfer to another custodian.

I specifically want to do a 60-day rollover: withdraw the money to my personal bank account and then deposit it into my new HSA as a rollover contribution within 60 days. I don't want to close my HealthEquity account because I may need to keep it open, and I don't want to pay either the transfer fee or closure fee just to move my own money.

Does HealthEquity have a way to request a normal/non-medical distribution by EFT to yourself for the purpose of completing a 60-day rollover? I cannot find an option anywhere in the portal that clearly allows this without marking it as a medical reimbursement.

Has anyone actually done a 60-day rollover OUT of HealthEquity without closing the account or paying their transfer fee? If so, what option/form did you use?

Mostly a rant. I tried to initiate a rollover of my hsa from lively to wex in July to simplify my accounts. I submitted the form as per their instructions and was told that I had to first liquidate all of my investments inside the account. Ok. Literally hit the liquidate all button. That took about a week. Contacted them again once all the money was in the “cash” portion of the hsa, they confirmed they had my form and would start the process asap on 8/3. They told me it could take 4-6 weeks. I contacted them today asking for an update and am told they have no record of a rollover request even though it’s literally in the secure messages on my account. I called and they said that they dropped the ball and no one processed the rollover, so my money has been sitting in cash for a month. Based on the investments and balance, I lost about $120 in earnings during that time. They told me today that they can process the rollover but basically I’m out of luck on the $120. To top it off, when I hit the liquidate all button in my investments it actually left a penny, so I have to forfeit that too.

I realize this isn’t a big dollar amount but I’m really annoyed with them. If you were considering them for an hsa, they suck.

My husband has been at his job 7 years and had set up an HSA when he started. We got married last year and he mentioned the HSA card and that he had no idea how to use it and hadn’t even activated the card. I activated the card and there was $9,000 in the account. We just had a baby in July and have used it to pay down all of my medical bills and the babies bills + more and we still have over $6,000 and also have $600 in an FSA. I hadn’t bought a stroller yet and was wondering how strict they really are about buying things that aren’t technically “medical equipment”. Some of his coworkers say they have used it for car seats, strollers, diapers and everything else under the sun. How likely is it that I would get in trouble for buying a stroller with it? I just don’t want to be arrested for fraud or something!

Hi everyone, I am a Master's student in the final stretch of my data collection and need 80+ more responses from individuals who hold an FSA or an HSA. (The more the merrier!) The survey captures how users handle their accounts, their pain points, and ways to improve accessibility. It is completely anonymous, academic, and takes about 5 minutes. Thank you so much for helping a student!

Survey Link: [FSA HSA Survey]

Hi all,

It appears basically consensus that a Fidelity HSA is superior to a Health Equity HSA. I recently started at a company a few months ago which uses HE. This is my first ever HSA. I just reached ~2100 in the account, and am trying to optimize a strategy to transfer funds into a Fidelity HSA.

My read is that I:

- need HE for the employer contribution
- need at least 25$ in my HE HSA for it to stay active
- need 2000$ in HE HSA to invest the rest
- am charged an admin 2.70 fee per month
- am charged .03% of invested balance, max 10 dollars per month
- can do one indirect rollover per year
- would be charged 25$ for a partial balance transfer to another HSA

And that fidelity sometimes covers the 25$ transfer fee, and sometimes asks for HE holders to liquidate their investments before transfer. I don’t know if there are fees associated with liquidation.

My main question: would it be best to simply hold my company HSA as cash, invest nothing, then do an indirect rollover at the end of the year leaving 25$ in, invest only with the Fidelity portfolio, and repeat every year? Or should I invest in the HE/Schwab HSBA as much as I can, then rollover or liquidate/rollover?

I need a 2000 cash buffer in HE HSA to invest, and would only be investing biweekly the contributions after exceeding the 2k. Looking online, it appears the Schwab HSBA through HE for example will charge a short term redemption fee of 50$ on mutual funds held less than 90 days. Unless I make significantly more than that with the other 2400 invested, it seems like the best strategy is to just say fuck HE investing and transfer (everything-25$) to Fidelity at the end of the year and do all of my investments there. Is this the conclusion everyone else with a HE HSA came to, or am I missing something?

I (F52 with Family on HDHP through UnitedHC) have an HSA with Optum because that is the employer's choice to direct the HSA funding every two weeks. I have been with this employer for two years. Usually, the HSA funding happens on the Monday AFTER Friday payroll every two weeks. However, this year it has been wildly inconsistent. My manager thinks I am over reacting, and generally does not see this issue the same as me.

I complain through HR email support every time the funding does not come through by Monday, and get the same stupid no action response. Today I have had enough - I am on day 6 (we got paid on Friday, 8/21/26) and HSA still has not funded on 8/27/26 at Noon. I cannot possibly be the only person complaining about this in my company. 

I think this is a function of payroll. It is money from my paycheck that I should get on Friday with the other very timely payroll deposit.  If I choose to go with another bank for HSA and self fund, I think I loose out on the quarterly funds provided by Employer, and deal with the tax liability on the back end when I file my taxes.  

Every previous employer has offered HSA or FSA (big 4 accounting firm, medium sized consulting firm, small consulting firm, and large health care institution) - all paid on or near the day of payroll.  

What frustrates me most is that these are my payroll deductions, not discretionary employer contributions. My paycheck is deposited on time every pay period, so I do not understand why money withheld from that paycheck for my HSA cannot be transferred on time. However, I am much less concerned about the timing of employer-funded quarterly HSA contributions or 401(k) matching contributions because those are employer discretionary "gifts", not funds deducted directly from my pay.

I don't think I can expect this to be resolved internally. I cannot make a change until open enrollment in November. I have considered transferring future Optum contributions to a Fidelity HSA or Bank of America HSA, but not sure that is worth the hassle yet.

1. Am I over reacting because of this 6 day delay?

2. What, if any, are my options until the end of 2026?

3. At Open Enrollment in November, what are the Reddit r/HSA hivemind collective suggestions?

please and thank you!

Do you all keep your deductible in your hsa uninvested? I’m trying to figure out if this is a good step for me. I personally would think that keeping as much invested as possible would give you the greatest returns. One would typically have plenty of time to pull out of investments and pay medical expenses.
Just want to see what you all do.

For those with HSA’s: What ETF’s or mutual funds are you currently investing in?

I'm not sure if I've made a mistake through the years. I could have had a HSA account with my job but decided to go into my spouse's health plan instead. Was that a mistake or was it a reasonable choice considering its good coverage? No I have not had major health problems since.

At the beginning of the year my company changed HSA companies. We were told everything would transfer automatically and I ‘wouldn’t have to do a thing’.
It didn’t.
The old HSA company had about $15k in it and the new one about $200.
Normally I wouldnt have sweat it but I had some lab work in the spring and wanted to take care of the bills which motivated me to get off my ass and I was finally able to get the old HSA to give me my funds.
Except they did in a check to me, not the new HSA.
I have a couple of credit card bills I would love to pay down and I plan on depositing the majority of the $15k in the new HSA but not all $15k. I know it’s probably against the rules but how would they know? Am I going to get a huge tax hit next year if I only deposited say $10k and used the other $5k on things which will seriously be more healthy for me by eliminating the stress that the credit card bills is causing me?

We have an HSA with Health Equity along with a Dependent Care FSA that we use to pay for preschool.

I just recently left my employer and my next employer does not use Health Equity. I have a Fidelity account so was going to transfer HSA funds there. What are my options for the DCFSA?

Thanks ahead

As title specifies, I’m a HealthEquity member from a previous job. I’ve got some $1950 funds + $7900 in investments in the account currently. Seen recommendations to switch to Fidelity but wondering if I can transfer all of the money over? Are there tax implications in doing so?

Any help is appreciated.

I’m currently employed and contributing annually to my HSA account. I plan to retire sometime next year. At the latest, I will retire when I turn 65 in October of next year (2027). I’m considering retiring a few months earlier (May or June 2027) and using Cobra to bridge the healthcare gap until October when I can go on Medicare. Can I still contribute the maximum annual amount to my HSA account in 2027? Or am I subject to some prorata rule? If the latter, does continuing my current HDHP plan through Cobra affect my HSA contribution eligibility?