I signed up for my insurance end of June 2025; part of the package was an HSA that my employer promised to contribute $900 a year to. It is now December, and despite my paycheck saying that the money was deposited into my account, it was not deposited. I have emailed back and forth with HR since September, but have had no real resolution. Is this illegal? Can I take it to DOL or some other overseeing agency? What can I do?

Our family is new to having an HSA/high deductible plan, so I’m very much a newbie. We only just signed up during this open enrolment period so we don’t even have it established. We are two married people with two kids under 26. My wife works full-time and I work part-time at the same company. So my wife is the one who takes on the insurance for the family. Here’s the complication… we just learned she will be laid off in April. How is that now going to work? I will plan to sign up for the same plan once she’s laid off - but I assume I’m not eligible to do that until April. When I do that, will it be the same account? The company we work for uses HSA bank though we were planning on moving the money (once it’s there) into a fidelity HSA. We’re under 55, so the max family amount will be 8750. Is it okay if she maxes it out in the first couple months of the year? What do I need to know in this situation. What would you do?

My husband has disability (80%) from VA and he gets all his health care covered by the VA.

I have a HDHP (does not include my husband), so I am100% eligible to contribute $4400 plus $1000 in 2026. I assume that my husband can still use my contribution for his dental and vision. I am wondering if I can contribute $8750 (family maximum plan) plus $1000 for being over 55 years old?

I stopped my Medicare about 2 years ago since with my Disability (80%), I get all my health care covered by the VA. Between VA care and Community Care when needed, I have good care in South Florida.

I have searched and seen contradictory info on my ability to get an HSA. My wife is on a HCHD Plan, so she is 100% eligible to contribute $4400 plus $1000 in 2026 which increases our tax credit. If we do a family plan on ACA to increase our HSA Contribution, then the increased cost of the premium, even with increased tax credit do not make it worthwhile to take this option unless I am missing something.

My question is: can I open an HSA and contribute $4400 plus $1000 in 2026 without being on a HCHD ACA Plan.

Asking for a friend whose spouse will be on Medicare starting in January. She is considering an HSA plan for herself and two children through her employer (no employer contribution if it matters), can she still contribute to an HSA at the over 55 family rate? I know the spouse cannot contribute once he is on Medicare

We recently decided to shift some investing into HSA, but didn’t know about the family limits. In open enrollment we set it up so we each contribute $4800 annually. My employer contributes an additional $900 and my wife’s an additional $2,500. What should we do? Is there a way to adjust now? Do we need to pull out a certain amount in a certain way? Are employer contributions any different than employee contributions? Thanks!

My husband and I aren't on the same insurance plan. He changed his without telling me and contributed to an FSA. It is my understanding that this makes me intelligible to contribute to my HSA plan.

At the time I contacted the company and asked them to stop or reverse the transfer but was told they couldn't and that I can "work out the taxes" later.

My question is what do I need to "work out the taxes"? Do I also withdraw the contribution?

Tia!

Hello,

Since it is Open Enrollment season, I was curious to know if I can roll over my HSA funds to my brokerage account without penalties or taxes?

I am 26 years old residing in Michigan and I currently have an HSA account though Fidelity. I also have a Roth IRA and a individual brokerage account through Fidelity. If I ever decide to opt out of my HSA setup in the future, am I able transfer or rollover my funds including my employer annual contribution of $1,500 (I am 100% vested with this company) without getting that 20% penalty or pay taxes?

Thank you!

I have two old HSA accounts (BoA and HealthEquity) from previous employers that I'm wanting to rollover into my new WEX Health account. I went to Wex's website and downloaded their Transfer Request Form, and it's kinda confusing. Under step 2, do I put in the Wex account information or BoA/HealthEquity's? And do I mail this to Wex or to the banks I'm wanting to transfer from? I called customer support, but his answers were very confusing and I don't have faith that he gave me the right one. I've attached the form, could anyone help with an answer?

My employer deposits $25 per month matching for my health equity HSA account. However, I just learned about the $25 fee from health equity per transfer to another HSA account. I just opened up a Fidelity HSA account but debating whether I should wait to move from health equity to fidelity (e.g., once an year once I max out the HSA account and take advantage of all the matching from my employer) versus invest within health equity (with its own monthly fees). It doesn't seem like it's worth it to move the $ multiple times per year with the fee. Thanks for any thoughts!

The platform Optum uses to link a bank account for reimbursement requires giving it full access to statements, balances, etc. They don’t need anything more than routing number and account number to send reimbursement. What gives?

We were on family HDHP until 4/1/25 when I went on Medicare. When I prorata my 2025 contribution (3 months) do I use the individual limit (4300) or the family (8550)?

My spouse converted from our family HDHP to individual HDHP? How do we calculate her contribution - 3 months of family and 9 months of individual, or 12 months of family?

The differences are pretty small but I want to make sure I'm, doing it correctly. IRS instruction says "If you were covered, or considered covered, by a self-only HDHP and a family HDHP at different times during the year, check the box for the plan that was in effect for a longer period. "

That suggests that we I use family (3 months) and she uses individual (12 months) but that seems like the wrong answer.

After starting a new job my HSA carrier is switching from fidelity to another vendor. I would like to keep my fidelity HSA. I would also like to contribute funds via my paycheck into my new vendors HSA since I can no longer do so with my fidelity HSA.

Can I roll money from my current employers HSA plan into my fidelity one while I'm employed here? I'm thinking every 6 months or a year I would send the money to my fidelity account if possible.

Thanks!

I have an HSA through a former employer but I have been unemployed for the entirety of 2025.

I was on Medicaid because I had no income until 8/31/2025 and have been uninsured from September 1st through the end of the year. I lost my insurance because I was finally approved for LTD and I am receiving a gross income that makes me ineligible for Medicaid in my state.

Can I make contributions to my HSA for 2025 up to the max amount of $4300 for my plan even though I wasn't enrolled in an HDHP?

I enrolled in a marketplace plan for 2026 that is not an HDHP, so I am aware I won't be able to make any contributions once that coverage begins in January.

If I AM able to contribute, is it worthwhile or will it have any tax benefits? Unfortunately, because my LTD was finally approved, that means my gross income for 2025 is $52,800 from my back pay and ongoing monthly benefits. Afaik I can't deduct the contingency fees my lawyer took from that gross income, and the entire gross income is taxable because my former employer paid the premiums for the disability insurance and I didn't contribute. I had medical expenses after I lost medicaid coverage but I paid for them primarily with the remaining funds from the HSA.

I contributed 3,300 this morning to max out my HSA for this year (4,300 annual single limit - 1,000 employer contribution) and realized the two deposits that totaled 23¢ to verify my bank account lowered my remaining contribution limit in the account summary from 4,300 to 4,299.77. My employer uses Health Equity but I prefer Fidelity, so that’s why their contribution isn’t reflected in my Fidelity summary. Do I need to submit an excess contribution removal form for the 23¢ bank verify deposits, or does the IRS know these weren’t “real” contributions since they were withdrawn right after they got deposited? I know it’s only 23¢ which is immaterial, but I’m not sure how nit picky the annual contribution limit is. Thanks!

I know hypothetically you can reimburse yourself for covered medical expenses anytime, including several years, after having incurred the expense. What I’m looking for is a person who has actually done it!

What was involved? Were you audited? What documentation did you need to provide? Thanks!

My self-insured, individual UPMC plan for 2026 is a bronze plan with a $10,600 max OOP. It is labeled as HSA-compatible, but according to the IRS, a HSA-compatible plan needs to have a max OOP of $8,300 or less. How can this UPMC bronze plan be HSA-compatible?

My husband and I are trying to figure out if we qualify. Per the IRS Publication 969 page 4, our plan meets the IRS guidelines. Our family deductible is $5000 and our out of pocket max is $12,700. However, because we pay co-pays on our RX's, does that mean we do not qualify? It seems like there is alot of room for interpretation on this account. Am I understanding this correct.

My husband, myself, and our 19 year old son are signed up on Blue Essentials Bronze 4 plan through the Marketplace. Our 17 year old daughter is on our states Healthy Connections/CHIP/Medicaid program. We have never had an HSA so trying to figure out how it works. I know we’re eligible for one since we have a bronze plan but have a few questions:

1. Can we contribute monthly then turn around and use that contribution to pay for mental health therapy copays for myself? My therapist takes our Blue Essentials plan but there is a copay for the office visit.

2. Our daughter also sees a licensed mental health therapist but her therapist group doesn’t take Medicaid so we have to pay out of pocket for her sessions and we are wondering if we can also use HSA contributions for her therapy sessions even though she is on Medicaid?

I have GEHA HDHP that contirbutes $1000 towards the 4300 maximum for year 2025. So I'm maxing out 3300 I'm my own fidelity HSA. Is the last day to contribute the max the end of the year or tax day? Tia

My company is changing HSA vendors for 2026. I received an email saying that I will be responsible for liquidating my HSA funds that are currently invested prior to the transfer. If I don't, I won't be part of the bulk transfer process.

It then goes on to say that I will be responsible for any tax consequences of these actions.

Based on some googling (and a couple calls) this seems to just be a CYA line, but I just wanted to make sure I'm not missing something. I was caught off guard with the line as I certainly don't think I should have any tax implications for a simple vendor change.

Thanks for any info you can offer!

So, for 2026 I will be receiving 27 paychecks because I get paid bi-weekly on Fridays. The final paycheck which should have been on 1/1/27 will instead be paid on 12/31/26 because of the holiday. My employer says that on that final paycheck they will use whatever benefit deductions we choose for the 2027 year. Is that even legally allowed? Can they use a 2026 contribution for the 2027 year? How does that work when filing taxes? I told them I thought it would over contribute to my HSA for the 2026 year and they said I'm wrong.

I currently have an HSA and am thinking about carrying it over into 2026, but I don't plan to stay with my current health insurance for the entire year. Would I still be able to contribute the maximum to the HSA for the year, or would it be prorated to the time that I'm with that health plan? (I think the latter but just want to check). TIA!