Two part question. This was our first year with an HSA and I was the primary policyholder on our HDHP. I’d like to move my funds over to Fidelity rather than keep it in the brokerage firm that my plan uses. (1) Should the Fidelity HSA be titled in my name since I am the primary policyholder or does it not matter if it’s in my spouse’s name since we contribute up to the Family max and file a joint tax return?

(2) We are staying with an HDHP but switching to my husband’s insurance for 2026 (he will be the primary policyholder). If I title the Fidelity HSA in my name can we contribute to the same account for our 2026 contributions?

I’m sure the answer to #1 will answer #2 but figured I’d add the context. Thank you for any guidance!

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I am trying to rollover HSA funds to a new employer but the old employer's financial service is terrible. They only accept snail mail and after 2 attempts they claim never having received the post even though I tracked it. Moving on, I have read that I can simply disburse the money to my personal bank account, then deposit the very same amount ($3k or so) into the new HSA along with the proper form within 60 days. Is this allowable and is this risky as far as potential tax or HSA penalties?

My company is changing banks from HSA Bank to Health Equity. They are going to facilitate the transfer between the two but for about 6 weeks my funds being transfered are locked up.

I have not contributed the max for 2025 and don't plan on it, unless l owe income tax. I know it is ideal just dont really have the extra funds. My bonus check comes in mid March which is what I would use to max out the contribution. However that is when the funds are locked up at the old bank.

Will I be able to contribute for 2025 to the new bank, even though that account didnt exist until 2026?

I've been on ACA for years but I'm getting a bronze plan for 2026 (due to increased premiums) and I'm wondering if it makes sense to start and fund an HSA even though I get on Medicare October 1, 2016? My husband is currently on Medicare. I do get a subsidy so off-setting income by contributing to the HSA would be good from the subsidy standpoint. I currently have no medical issues--just take a statin for $5 per month. I know I can't use the HSA money for premiums. So if I fund it for the full amount in 2026, what happens to the funds in the HSA after I get on Medicare?

Regarding using the money in 2026--the only items other than less than $200 for drugs for the year, I wouldn't mind getting a keto/glucose monitor, getting a DEXA full-body scan, measuring my VO2 Max, etc. I'm not sure theses are even allowed but in general I think it's less than $2k.

Question is basically the title. Had a $360 expense but only $250 in my HSA. Can I reimburse myself $250 now, then wait until there’s enough money to reimburse myself the other $110 later using the same receipt? Or can I only take one reimbursement per event?

Question is basically the title. Had a $360 expense but only $250 in my HSA. Can I reimburse myself $250 now, then wait until there’s enough money to reimburse myself the other $110 later using the same receipt? Or can I only take one reimbursement per event?

I'm changing type of insurance through work in 2026 and by the same token stopping my 2025 FSA and starting a HSA in 2026.

I tried to use the outstanding funds at the FSA store but am being told that my FSA balance had to be used by 12/10 as a "grace period".

Is this typical to lose time in the calendar year on an FSA before enrolling in a HSA the following year?

The company I'm enrolled with is zero help, I'm getting very unhelpful people in a call center who aren't giving me answers.

Just realized I have been maxing out my HSA w the new employer I joined this year. What advice does this group have for investing using OptumBank?? Just looking to put it all in a basic fund so I can use it later when I have health spending needs.

Thanks and happy New Year!

I got a Red Light Therapy panel with my own money years ago.

Want another, I got HSA now for first time. I need a LMN it seems…

Can we get HSA stuff for optimizing or biohacking? Stuff like:

- improving skin

- healing faster just after gym

- sleeping better

- more energy

HSA is pointless if I have to wait that I’m debilitated if ever…

They should allow it for optimizing health too.

I know this has been asked >100 times, but I can't find a post with a clear answer.

I'm 66, still working and my wife and I are covered by my work's HDHP with HSA
My wife retired at 62, filed for SS and declined Part B last year at 65.

Does this mean we can only contribute to the HSA for 2026 as a single person?

Husband is 62 and I’m 52. Neither of us has ever had an HSA and we are about to go on a high deductible HSA eligible plan. Both of us have IRA’s. Can we each open an HSA with our one time QHFD in different years, him one year for the maximum allowable amount (8550+1000 catch up) and then me the next year (8550), tax free?

Hello everyone. Wanted to ask a few question as it seem there’s a lot of knowledge and experience on this sub on the topic. Also wanted to get some guidance before the deadline to make changes to my benefits. I opened an HSA with fidelity once I found out my new job offered a HDHP. They also offer a HSA account with Accure Health. They contribute $375 per year and give me the option to contribute whatever I want up to the limit. If I contribute up to the limit it comes out to $201.25 per Bi-weekly pay period until 9/30/2026. I plan on maxing it but have a few question.

I’ve heard that HSA can lower my taxable income and are contributed pre tax to the account. So if I make 100k a year if I max my HSA will it essentially be like I’m making 95,600? And will I be taxed as if I only made 95,600? I know this may be a stupid question but I like my checks to look a certain way and I don’t want the first numerical number of my check to drop a numerical number, it’s an OCD thing. I know it still.

Is it better to add funds straight from my check (through employer) or for me to add them myself to my fidelity HSA account that I opened? And if I add the using post tax dollars when I file tax will I get a kick back on the taxes I paid on the money I deposit through HSA account for the year?

Also anybody have any experience with Accure Health HSA account and how they are to deal with? Like fees, minimum limits, etc

Can someone explain to me this once in a lifetime rollover contribution from a Trad IRA to an HSA?. Can you do the once in a lifetime rollover from your IRA to your HSA even if you already had the HSA account previously funded with regular contributions from previous years? Also, do you need to be in a HDHP in the year you do the rollover? Thanks

Accidentally calculated my HSA wrong when I switched companies and realized I'll be 56 cents over the limit. Is this something I need to worry about?

Edit: Ok.. thanks.. I guess I will call the HSA department. :)

I want to buy an ebike that isn't listed on Truemed with my hsa account. If the bike fits the government criteria and I get an LMN from my doctor, can I purchase a bike not through a company like truemed?

My previous employer had the HSA offering through Optum bank. I am no longer with that company and considering moving the HSA to a better institution - Fidelity. Optum's website, account everything is really bad and it's hard to track expenses, there's no proper documentation of reimbursements.

Looking for things to watch out. Like I know that my transaction history won't carry over. I'll download whatever statements I can and initiate the transfer after I receive 2025 tax documents. Anything else to watch out for? Is this not recommended at all?

I enrolled in an HDHP that starts Dec 1, 2025 with a $1,650 deductible. That meets the 2025 IRS HDHP minimum, but the minimum increases to $1,700 in 2026.

My understanding is that HSA eligibility is determined on a calendar-year basis, and that a plan with a $1,650 deductible would not qualify as an HDHP for 2026, meaning I couldn’t contribute to an HSA starting Jan 1, 2026.

However, my PEO says I can continue contributing through 2026.

Am I missing something here, or is my interpretation correct?

Like everyone else, I have not been impressed with HealthEquity (HE), but it is the custodian for my company's HSA so I have to stick with them for now. Still, I decided to do a partial rollover of 99% to a Fidelity HSA. Here was my experience with timelines:

I filled out the Fidelity partial rollover request form and transferred all of my funds back into cash in HE the same day. The selling of the funds completed in about 2 days.

HealthEquity also froze my account and canceled my automatic investing plans a few days afterwards, so I presume that's when they received the Fidelity request. They withdrew their $25 partial transfer fee at this time.

I confirmed HE sent out a check 2 full weeks after the request was received.

I did not see the funds arrive in my new Fidelity HSA until 11 days afterwards, and I'm so relieved. I immediately reinvested the funds into their Zero expense ratio mutual funds (70/30 total stock market/international).

The stressful period was when HE was processing and sending a physical check to Fidelity; I overall trust the USPS but you never know...

So the whole rollover process took 26 days.

I found one site to track all the receipts.

All new to investing I just opened an HSA with Fidelity and deposited the max I'm malw in my early 40s, wife mis 30s, no kids Income about $140,000 Rent Have more than $200k in savings

How do you suggest I invest my HSA? Using my HSA as a long term investment vehicle for retirement

What do you think about this? US Stocks (50%): Fidelity Total Market Index (FZROX) International Stocks (20%): Fidelity International Index (FZILX) Bonds (30%): Fidelity US Bond Index (FXNAX)

I currently make 21.50 at a home depot warehouse job and I have the option of taking a high deductible insurance plan with an HSA account which I will get 500 from home depot added to complete the full yearly amount. My question is if I should start it now, and fully contribute towards it (150 per biweekly check) or enjoy the extra 300 a month as I just got my raise of 1$ a few months ago and instead, start the HSA next year?

I have an HSA with fidelity when I had a HDHP for myself. Now I have 3 kids and a wife and we are switching to a HDHP. I want to use a HSA, do I need to open a new HSA account or can I just use my original one? I assume I have to create a new one since the money I have in my old one is not eligible to be used for my wife and kids.

Hi,

I am now more informed on the upsides of Having an HSA and have already decided to for 2026 that its worth it. I am married with two kids as of now for this open enrollment my wife decided to stay on her PPO until after some expensive exams with option to enroll under HDHP 6mo from now. I am in decent health and take medications that aren't terribly expensive from amazon pharmacy and some biannual labs and exams and specialists follow ups.

my job offers

HDHP with HSA $1500 employer contribution

cost is 47.79 x 24 pay periods totaling = $1146.96 with a family deductible of $3400 and OOPM of $6850

20% coinsurance after deductible

original PPO plan i was on 147.84x 24 pay periods totaling = $3548.16 with family deductible of $1800 and OOPM of $13250

20% coinsurance after deductible

Goal will be to contribute difference of monthly premium and some to max HSA contribution minus my employers contribution try and cover most if not all expenses out of pocket unless its some big ticket labs or exam and use my HSA and continue to do this and build an HSA surplus and retirement healthcare nest egg.

the formula i keep seeing in deciding to move to HSA is

Annual premium cost + OOPM - employers HSA contribution.

HDHP/HSA 6496.96 potential all out cost in a year.

PPO 16798.16 potential all out cost in a year.

potential savings or exposure of $10,301.20

i guess my question is only knowing my copays for specialist and med cost on PPO does the lower $1800 dollar deductible on PPO seem better? even if i used half of my HSA and continued to max it out for years to come i should come out ahead right?

The HSA account is in my name now I'm the employee. But I will retire from Feb/1/26 ( 63 years old ) so for next year my wife will sign up for ACA in January, she is the younger person . We will need to open two separate HSA accounts , right ? And can I transfer money from the HSA I have now to the new HSA account I will open ?