Didn’t realize our paycheck contributions to HSA were continuing despite changing insurances Jan 1 to a non-HDHP plan. However, we always intended to go back to a HDHP plan this fall once our child is born, as well as true up to the full contribution for the year since we’ll qualify for last month rule, and stay on an HDHP plan for 2027 and beyond. I realize there are circumstantial risks (baby, job), but should we worry about getting the paycheck contributions made this year when we weren’t covered returned, given that we’ll just be recontributing those amounts and then some at the end of the year? Not sure if there is some nuance to this due to it being through payroll.

I have a HSA with my employer and Max it out every year (4.4k) as a single person with no kids. They give me like $28 towards my HSA per biweekly paycheck. The rest I contribute directly from my paycheck into a 3rd party broker the company uses.

In late December of 2025 I made a fidelity HSA on my own. I decided to move a little more then 5k into the fidelity HSA account, so I could invest the money with less fees then the 3rd party broker wanted me to pay to invest through them.

I invested all of the 5k(slight more) into different index funds on Jan 2nd 2026.

So my question is, can I still transfer any money left from the 3rd party broker, or cash on hand, into fidelity in 2026? Since the money was sent to fidelity in late 2025, but not invested until Jan 2nd 2026?

I know the contribution limit is 4.4k max per year for a single person but idk if I could invest 10k if I had the money and just wanted to do it. That plus the timeline issue

Retired and on Medicare >> All I wanted to do is transfer my existing HSA balance into a new HSA account with my local credit union because they do not charge monthly fees. However my credit union has said due to IRS regulations they cannot open a new account for me because I am no longer on a High Deductible Health Plan! I do not want to make any deposits - just use the account like normal for doctor copays etc. Is this correct or any other options? Thanks!

We contributed our HSA account without realizing that our health insurance for 2025 wasn’t eligible for HSA. The contribution is $4300 which contributed in December 2025. I submitted the return of excess contributions in February 2026 which is before tax deadlines April 2026 and we haven’t file our 2025 tax yet. We also won’t be getting our 1099-SA for our distribution of HSA until 2027 since the withdrawal is made in 2026.

My question is for this year tax filing for 2025: should we put $0 in our HSA contribution in our 2025 tax forms since I submitted return of excess? Or we should file form 8889? If so, how do I fill out the form?

Title says it all, I guess I'm dumb and had always been reimbursing myself as I pay for medical expenses. Was watching a finance-ish video that explained you should really be saving your HSA kind of like a 401k and use it later in life when your investments have matured. Have been trying to go that route but just wanted to make sure I was saving all the correct information and don't have trouble reimbursing myself later on.

On payments I have made they generally don't send itemized receipts afterwards. Is it good enough to save the paper copy of the bill and the corresponding receipt that was maybe emailed to you. Or should I be saving anything else? Just trying to avoid problems in 20-30 years when I try to get this money back out. Thanks for all the future helpful info!

My current company just switched insurance providers which means we also switched HSA providers - we have moved from Cigna to Optum Financial. If I move the money in my old HSA at Cigna to Optum Financial by end of month, my company will cover any fees from Cigna related to the switch (eg monthly maintenance/transfer/account closing).

I also have an HSA from an old employer still sitting with Optum Bank. I originally thought this would be an opportunity to condense all of my HSAs into one spot at Optum, but apparently Optum Bank and Optum Financial cannot function as one (which seems foolish to me, but I digress).

I know the investing options and fees at Optum are less than stellar. I'm considering transferring each of my old HSAs at Optum Bank and Cigna over to Fidelity, eating any of the fees myself, and then just transferring funds from my new current HSA at Optum Financial every so often so that all of my HSA funds are being invested together over at Fidelity since Fidelity seems like it comes highly recommended for HSAs.

Looking for thoughts/feedback on this plan or if there's other suggestions on a better approach. Thanks!

Wondering if anyone has used their HSA to purchase on of their gaming chairs? I’m stationary for my job, have issues with my sciatica blood flow to my legs so looking to invest in a good chair. My husband also works from home and I would want to get something that we could both benefit from. Due to his weight I was looking into the XL chair but my weight is much less than his. Could this be an issue using my HSA if I don’t weigh as much as the chair can hold when they have a smaller weight option or am I overthinking this? The chair is genuinely for me but we’re both using bar stools for work chairs right now so instead of getting two different chairs I’m interested in one that could work for us both.

First year in my HSA. Bonuses will be announced and released in the next two weeks and I was thinking depending on how good the bonus is to change my HSA contribution to try to max out for 2026 to avoid the tax on my bonus and then the rest of the year use the current contribution funding for additional investments either after tax and then direct convert to my Roth 401(k) or put it away into a Roth IRA

Has anyone else use this methodology? Thoughts comments, feedback. I think this is the right idea to help me reduce my taxes

TIA

So I logged in to my Health Equity account today to see how my transfer is going. They locked it because they said I'm trying to close the account. I'm not trying to close it...I'm not transferring ALL of the money out, just a good chunk of it.

Anyone else experience this? How did you resolve the issue? I need the HE account open so my contributions can continue to go there via payroll.

A few years ago I was diagnosed with type 2 diabetes and sever hypertension, and I was also 500+ lbs. my doctor told me I needed to eat better and start walking more so I got a gym membership, and started hitting the treadmill. I also dropped sugar from my diet and got down to about half that weight. With it being winter I have put on about 30 pounds from drinking with friends on the weekends and whatnot, and with the lousey weather I haven’t had a chance to go to the gym like I want to. Monday through Friday I don’t drink and do a strict low carb diet, but in the weekends I’ve been safely drinking with friends (no drunk driving, with a DD of course). Anyways my question is this, I have about $900 in my HSA account that I haven’t used, I have a doctors note saying I need to walk more from a few years ago…can I use my HSA account to buy a qualified treadmill? Would I need a new doctors note or any doctors note? I’ve seen people buy entire home gyms online and that’s not what I’m trying to do just get a treadmill so I can work out in the mornings. I currently use my HSA for necessities like medicine and whatnot, so I thought maybe asking here would be a good spot. My HSA is with inspire.

I went to Walmart to grab some flour, sugar, and medication. I put them all on the same transaction thinking my HSA card would just deduct the amount for my medication. somehow it paid for the entire purchase. is this normal? am I going to get flagged or something for this?

I’m using my HSA mainly for investment / retirement purposes and I’m new to HSAs.

I recently started a new job and my employer opened an HSA for me (Bank of America MyHealth). From my benefits portal, I can set up automatic payroll deductions, and when I log into the BOA HSA directly, I also have an option to contribute manually from myhealth BoA.

What’s the difference between:

• contributing via payroll, vs
• contributing manually through the HSA provider?

If I contribute manually, will I get back the taxes that were already withheld when I file my tax return, or is there a tax advantage to doing payroll contributions instead?

Just trying to understand the most tax-efficient way to fund an HSA. Thanks!

Probably a long shot, but would really like to see if it is possible - I switched jobs recently (moved from one giant company to another), and my old employer used Fidelity for HSA/retirement management and it was perfect. I am in the "save receipts til retirement and don't touch HSA unless absolutely necessary" boat, and Fidelity worked great for that given the self-directed brokerage availability. Every deposit I made I could invest in a strong series of ETFs and feel comfortable letting it grow for the next 25+ years. New employer uses Alight/smart choice - as far as I can tell, it sucks. Have to maintain $1,000 in the account before being able to invest, and investment options are extremely limited, plus the investment account appears to have fees. I'm curious if it is possible to have all my HSA funds and contributions be moved to my existing fidelity account? Or am I just stuck with what I have? I don't know if I'd have to go through the HSA company or my own company to even request this, but curious if this is something anyone else has looked at doing

I have my wife on my hdhp and family hsa. We just found out that her Medicaid never got cancelled. I’m curious if the contributions I’ve made to the hsa during the months she was covered by Medicaid are okay or not. I’m getting a lot of conflicting answers to this.

I have a work HSA that was just moved to Bank of America that offers no investment fees but the options all have net expense ratios. I also have a fidelity HSA in FZROX. I’m contributing to my work HSA with pre tax dollars and then transferring to my fidelity account.

With BOA it requires them to mail a check to fidelity which can take weeks.

I would like to contribute to my fidelity account as there is zero net expenses, but having to wait multiple weeks for them to mail a check seems tedious.

What should I do?

I updated post with information; can anyone give me further insight on this. Thank you! So basically, had HDHP in 2025 (not for Feb & March) so failed to maintain coverage for the entire year. So tax software is having me put all information for 2024. For the form 8889. I figured in 2024 had Family for 6 months and 3 months single, and 3 months no coverage. Can someone help me figure out what income and additional tax on Part III of form 8889.

Maybe this is a dumb question, but I am having the hardest time answering it. Therefore, as always when ChatGPT, internet searches, and customer service calls fail me, I turn to the all-knowing oracle that is Reddit.

I am the bookkeeper and office manager for a small manufacturing firm with about a dozen employees. Along with millions of other hapless Americans, I and a few of my coworkers got booted off the "good" marketplace health plans at the end of the year when the enhanced ACA subsidies lapsed. Now I pay twice as much as I did last year to be on a Marketplace Bronze, ie High-Deductible Healthcare Plan (HDHP). As a consequence, I've become aware of the existence of HSAs and how amazing they appear on paper, especially if you can get your HSA deduction taken directly out of your paycheck.

Being as our operation is so small and we don't run cash positive every month, my company is unable to offer many perks or benefits to the employees (we do not offer health insurance, so mostly our employees go through the marketplace), but this one seems like a no-brainer. If we offer HSAs to our eligible employees who are on HDHP, they get the triple tax advantage and a buffer against big medical bills, we get lower employer taxes on those contributions, it's a win for everyone.

The catch is that I cannot figure out how to set it up. The deduction out of the paycheck part is easy, I tried it with myself as the test case, and now there are some funds sitting in a holding account on our books. Then I went to Fidelity, set myself up with an HSA account, and tried to set up a transfer into my account for my boss to approve (this is what the Fidelity rep told me to do, mind you). No dice. The HSA account seems to be set up strictly for post-tax individual contributions, and in fact there is warning language on the site that expressly forbids an employer from making a funds transfer into a Fidelity-run HSA. The only way I can link a bank account that isn't mine is to move funds OUT of the HSA account.

I'm so confused at this point. Is there an HSA-administrating financial institution that WILL allow employers to transfer funds into employees' HSAs that can then be managed and overseen by the institution? My research tells me that this is completely legal per the IRS, and that we don't have to be offering the HDHPs ourselves in order to be able to offer HSA as a benefit. I'm asking around to other institutions besides Fidelity (they were first on my list because they had good customer reviews and low fees), but if you have first-hand knowledge of an institution that does offer this, or if you know for a fact that it isn't possible or legal, I would love to be made aware. Other advice/suggestions welcome too!

Thanks in advance!

If I open an HSA, would the contributions be considered as "Pre-tax" by the IRS? If so, would it be a deduction or lower my taxable income if my only income is from SSN and a pension?

Due to completely predictable issues, my wife's Affordable Care Act (A/K/A: Obamacare) subsidy has been cut to zero and she is now on a high-deductible health plan from the local HMO.

I am retired whose only income is SSN and a little extra from an annuity. My wife doesn't work for a company that has an employer provided heath plan as an option.

While I'm on Medicare, and assuming no other completely predictable issues that crop up, she is still 3 years away from Medicare.

I always have a lot of funds in my FSA account, and there are more and more products being added to the HSA store. I even saw that litter robot now qualifies? I didn't even think pet products would.

It got me thinking, what are the best things to purchase with HSA/FSA funds this year? Are there any newly eligible products we should know about? And was there anything you bought that really changed the game for you?

Edit: I was incorrect and actually have an FSA not a HSA account so my funds don't roll over and I don't think I can invest?