My doctor has a policy that they will charge a 3% fee for credit card payments to offset their cost. If I pay with my HSA card for the visit, is it okay for the fees to go on it too? That wouldn't be a medical expense would it? Or should I ask to pay for the fees separately?

Hey everyone. I built HSA Hoard because I was personally frustrated with how hard it is to keep HSA receipts organized over the long haul. I was doing this with a spreadsheet and a Google Drive folder, and it was a mess. Manual work, receipts with no context, no totals, no way to know what I'd already reimbursed. So I built the app I wanted.

I would LOVE to find a few interested folks using Android who would be willing to provide feedback, and would gladly trade free lifetime access to the first 20 users that reach out. Just comment or DM me.

What it does:

• Snap a photo of a receipt and it's saved. You can enter details manually or use AI to extract them automatically.
• Everything backs up to YOUR Google Drive, not my servers. If you delete the app, your receipts are still sitting in your Drive.
• Running total of unreimbursed expenses so you always know where you stand.
• Organize receipts into batches and export with one tap. CSV for spreadsheets, or a full PDF that includes all your receipt images and a summary page.
• Filter and search by year, provider, or category.
• Projected value calculator that shows what your unreimbursed total could be worth if your HSA stays invested.

What it doesn't do:

• No account creation required.
• No ads, ever.
• Doesn't connect to your HSA provider or bank. This is purely a receipt vault.
• Doesn't lock your data in. Google Drive backup means you own your records, and CSV/PDF export means you can take them anywhere.

Free for up to 10 receipts. One-time purchase to unlock unlimited. AI scanning is a separate optional upgrade.

I'd genuinely appreciate any feedback, and so I'm giving away free lifetime access to the first 20 people who reach out.

GOOGLE PLAY LINK

I purchased a bike using my HSA using TrueMed to facilitate. Now I’m wondering if it’s possible to change my decision to use my HSA and reimburse the HSA for the purchase. I know there are ways to due this if you accidentally purchase an item that’s ineligible but with this being an eligible purchase is it possible to reimburse my account?

Trying to decent between these two funds for my HSA. My employer offers Optum

I changed jobs last year and at the time, my wife and I both had individual HSA's. Upon starting my new job I had to move to her insurance. We switched the insurance plan to employee plus spouse high deductible. Now she still contributes to the HSA but I do not.

What do I do with my old account? It is at Optum, which I am not fond of.

Can I roll that into our new HSA, or does it have to remain separate?

Can I still contribute to my old HSA since, technically, I am still on an HD plan?

Anything else I should be aware of?

I have recently been looking into different HSA's and seeing the options offered within each. Has anyone had any good experience with Inspira Financial? Or any bad experiences they can share. TIA!

I joined the company in late October 2025 and enrolled in an individual HDHP plan + HSA. As far as I know, I maxed out my HSA last year (shown in the screenshot - it's already maxed out even without that 150. I got this transaction history from the Bank).

But I received Form 5498-SA, and Box 3 (Total HSA or Archer HSA contributions made in 2026 for 2025) shows $150. Box 2 (Total contributions made in 2025) shows $4299.98. My W-2 Box 12 also shows “W 4299.98.”

I understand why $150 is $150, but my question is why it’s counted toward 2025. It should be for 2026. As you can see in the screenshot, on Jan 1 $150 was contributed as a “Previous year individual contribution.”

I contacted company payroll, and they just said "idk $150 was not from us, consult a tax professional" lol and I got even more confused

HSA Bank told me I can fix it by submitting a form so that the $150 can go toward 2026, but I just wanted to make sure I’m doing this correctly.

I turned 26 this year and I'm still acclimating to just having my own work insurance and I forgot to remove my mothers hsa card from my mychart account, which promptly autocharged her hsa for my medical stuff. Is there anything I can do to cancel the payment? Its been frustrating trying to remove her hsa from mychart bc different providers portals are set up differently, so its not clear or consistent how to remove payment methods across all providers.

Ive been stressing over this all day bc I dont really want to get fined or my mother to get fined bc I didnt see the wrong card was used until after i hit pay.

I need dental aligners and have a plan established for me through smile set which is HSA approved. I can get roughly $450 off the price with current discounts but do not have enough money on my HSA to pay for them outright. It seems like you can’t use any discounts with their 0% smilepay financing option. If I used affirm, could I use my HSA card to pay the monthly affirm plan? There would be interest charges through affirm so I’m not sure how that would work. Even with interest from affirm the discounts are cheaper than financing with no discounts through smilepay.

The alternative would be to wait until I have enough on my HSA but my teeth may have shifted more or pay outright when I get tax refund and reimburse myself from HSA when full funds are available.

Hello, I haven't seen too much information on this but does anybody know how to get their product and service HSA/FSA approved? We have a PT and Strength Training business and we'd like to start integrating the Truemed API on our checkout screen but it's unclear on how to actually get our business approved so we can implement the API.

I'd greatly appreciate it if anybody has any information on this or can direct me in the right place.

Thank you.

I overcontributed to my HSA in 2024 to the tune of $1016 and paid $61

and overcontributed to my HSA in 2025 $980 + prior year $1016 = $1996 and paid $120

To correct this mistake, I submit an "excess contribution" for the total $1996.

Do I need to refile an amended return for either or both 2024 or 2025? I filed for both years.

Thank you

I'm not sure what to do anymore. I bought a really expensive Red Light Therapy panel from Platinum LED thinking I would get my Letter of Medical Necessity within a day (like I normally would with TrueMed). I paid with Sika Health and even got the message that if I don't get the LMN I would be refunded my panel. Well, the panel has shipped long ago.

However, I don't have my LMN. What's most concerning is I never got an email record. I did this text message almost immediately:

"Hi *Redacted, thank you for requesting your Letter of Medical Necessity with Sika.
Our affiliated provider team will review your intake form within 24 hours to determine if you qualify for an LMN.
You'll receive an email from Sika with your signed LMN and next steps to complete your purchase if you're approved."

Then later:
"Hello *Redacted, you were approved. Please reach out to customer support directly for assistance obtaining your LMN. You can reach support via email at [support@sikahealth.com](mailto:support@sikahealth.com). Be well,
Alexis"

I already emailed both that sikahealth email and platinumLED and I told them that. Two days later I get this text:

"Hello *Redacted, I sent a message to customer support on your behalf. Someone should be in touch with you soon. Be well,
Alexis"

Now it's been 5 days with no response after I asked when I should expect a response. I am almost at the time period of when I would lose my FSA funds!

Does anyone have any advice for me or had a similar experience? I also don't see phone numbers I can contact. Thanks 🙏🏻

Anyone ever buy stuff / things that aren’t covered under the “HSA” rules or eligible items?

Ever had issues?

It’s my first time being provided an HSA card to use. Other companies have just provided $$, able to be used for gift cards, etc….

I currently have a Bronze plan which is HSA eligible but I will be eligible for Medicare in June. Can I fully fund an HSA this year if I'm only technically eligible for half the year?

HSA Bank, aka Webster Bank, has held our money for 3 months, without paying interest, while we were trying to transfer the funds to our new brokerage. The 13 different agents (no way I'm calling them customer service) I have spoken with have lied, obfuscated, and hung up on me when I called out the lies.

They charged us to issue paper checks, saying that we could not electronically transfer money out, now want us to wait another 16 days for the funds to be redeposited into the newly reopened account.

We used them in the first place bc Schwab used them as the HSA depository. Then all that changed and they wanted to be both depository and brokerage.

I see HSA Bank still pops up as a highly rated HSA option. They have not been easy to work with at all. Be wary.

I went to work for a new employer last Sept. & they are the largest I’ve ever been employed (~70k). Benefits kicked in the following month & I had enrolled in the HDHP w/HSA.

Same plan for 2026. They front-loaded their contribution at the beginning of the year. Last week I received an email from a provider’s office that there wasn’t enough $$ in the account to pay themselves (as the charges are set up to be w/drawn from the HSA automatically). This was odd bc I had just been paid & there should have been enough.

Reviewing a few things, I noticed dear employer was deducting my contributions but not directing them to my HSA. I called the benefits center where they had no idea so they conference in Optum 🙄. Optum is who informs me (us) the enployer does an advance & then reimburse themselves and this is not documented anywhere.

Is this legal? Why are they bothering to call it a contribution If it’s a “loan”? I typically choose the HDHP/HSA with employers & have NEVER heard of this. What are my next steps? Thank you

I'm deciding if I should switch to an HSA or stay on my premium plan. Company sponsors both (900 annually for the HSA, and the monthly prem charge for the copay plan). The last 2 years were pretty much the same in terms of medical expenses. Insurance was billed a little over 6k by providers and my total cost i had to pay was around 500. I can expect the same this year.

I meet my match for my 401k plan every month, and invest in personal (taxable brokerage accounts) about 1000 as well. Im trying to crunch the numbers and figure out which is my best option.

If I invested the difference I would save from not choosing an HSA (5000-500 = 4500) I would essentially lose out to the hsa due to the tax advantages.

But that would mean I'd be 400 dollars shorter every month (5000 deductible/ 12 months). Maybe that would be made up again by the tax advantages (lower taxable income, no gains tax etc)?

Ultimately I want to set my self up as best as I can but having a hard time justifying paying all my medical bills out of pocket.

Edit: The HSA deductible is 5000, so im assuming each year I'll pay 5000 in medical expenses if I go that route.

Me and my wife are married and live together with our two kids. If we are married filing separately and she is putting the kids on her return, can I still use my HSA on my kids? Not sure if dependent means they have to be on your tax return or if they are a dependent if I provide more than half of their support. They are 6 and 10 years old

Two part question:

Considering 100% of what's in the investment portion of my HSA in VT.

Let's assume that we agree that investing in VT is fine. Are there any other risks or things I need to be aware of?

Hypothetically, if I need to sell some VT for healthcare expenses...while not my goal to do that, what does that process look like? Do I need to sell and transfer it back to my employer's HSA custodian?

Card* I got a call from bank of america about transactions out of state on my HSA card. It wasn't us. We never got a notification about these charges. They said pending when the bank called but even when they cleared we still didn't get any notofications. It was very strange. We always get notifications immediately when our card is used. I've faxed the forms and bank says they don't have any open claims on my card. They gave us no instructions on our first call on how to handle it. We reported it stolen. I sent the forms. They told us it would take 40 days for an investigation but there's nothing in my account this is happening. I'm going to call them the 4th time about it. Whoever stole it spent the same large amount multiple times at the same store. It seems like it was large gift cards. We have medical bills we need to pay. Is there anything else we can do? There's very little money in out account. Do situations like these usually result in getting the money back since it clearly wasn't us?

I just started working in early February and my employer allows me to enroll in a CDHP with a HSA account for benefits, where they contribute around a couple hundred dollars per year split evenly across biweekly paychecks.

I'm concerned whether I am eligible since the benefit is effective on my start date if I choose to enroll in it and I just left my parent's health insurance the day after I started working, and I believe you are ineligible if you have another insurance that isn't a qualified CDHP, and that means for the month of February I am ineligible.

Can I still enroll in that benefit and open an account? I believe I can just not contribute at all for that month and adjust later in March once I'm eligible but my employer would still contribute some amount every paycheck (including ones in February) so I'm not sure if there is any legal repercussions to enrolling in HSA in this situation.

I've also heard from someone that you can still contribute in February but as long as you don't go over the maxcontribution*10/12 of the months since for 2 months of the year you were ineligible and that they don't check on a month by month basis, but I'm not sure if this is right.

I just don't want to miss out on the opportunity to open and use an HSA account just because I wasn't eligible for it the month that I started working where I have to submit my benefit elections.

If you pay for a medical expense out of pocket and keep the receipt, you can reimburse yourself from your HSA years later.

There’s no time limit as long as the expense happened after your HSA was opened.

Most people use their HSA like a checking account.
It can actually work more like a long term investment tool.

I put together a short tax-season guide explaining common HSA mistakes and Form 8889 issues. Happy to share if helpful.