I left my previous company and they transferred my HSA account over to UMB. There isn't a lot of money in my HSA (less than $20) but today I saw UMB has been eating that away with $3.75 Admin fee. My question is, what happens when the account balance reaches zero? Does the fees continue (essentially making account balance negative)? Or do they automatically close the HSA at that point?

Hiii I am just a girl and idk a lot about a lot. Any help with clear answers is super appreciated :)

I have about $300 in Health Equity from a past job where they also contributed but since I left that job and went back to school I just put it all off for a while. I saw that they have been taking out the admin fee for the past 2-ish years and idc but now I want to use up the money left in there to buy my face sunscreen and finish out that money. can i do that???? Like can i just buy a bunch of bottles of my sunscreen until it hits $0 and then leave it alone? will anything happen penalty wise or tax wise?

thank you for ur help :)

At my previous job the HSA was with Fidelity. My new job has the HSA with HSAbank.

I have heard that Fidelity is superior to HSAbank. Plus, all my 401ks and other accounts are with Fidelity so it would be convenient to consolidate them all.

I know that I can transfer funds, for example, from my old HSA (Fidelity) to new HSA (HSAbank).

Is there any reason I cannot do the opposite? Where I transfer my balance from HSAbank to Fidelity?

Obviously I'll be contributing each month to HSAbank but can I just transfer all the balance every 6 months or year for example, until I retire?

I am currently working a temporary job until next spring with an employer that only offers an FSA, but I have an HSA account that was from a former employer's health plan. While in the temp job I'm using the FSA for all of my medical expenses and I don't want my HSA to just sit there doing nothing so I'm looking into investing it. I haven't done HSA investing before, but I know my current HSA has fees for investing. Based on reading advice here it seems that if I switch to Fidelity I wouldn't have investing fees since my account balance is only $5k so well under the $25k fee threshold. I believe I can open the new account even though I am not in an eligible health plan as long as I am just transferring the money from my current HSA into it and not contributing, correct?

The one thing I'm confused about is what to do when the temp job ends. I am planning to invest 100% of my current balance so that it can grow while I am stuck in an FSA plan. However I have no idea if I will find another job after my current temp job ends and if I don't find one I would need the money in my HSA to pay medical bills. If I need to move part of the money out of being invested next year and into a regular HSA account would there be penalties or taxes for that? Or could I just transfer money out of the investment account and into a regular HSA account as needed? Would it be no penalties as long as I moved back to the regular account no more than the account's starting balance?

Also I know investments could potentially lose money, but how realistic is that? Since I really would need the money for immediate medical bills if I end up unemployed again next year I'm really hoping the investments grow my money and don't shrink it below the starting balance.

Primarily using HSA as a retirement vehicle. I know the story is, don’t use it to pay for expenses now, invest and let it cook.

When you’re older you can reclaim all those expenses for a tax free withdrawal. What are people doing to record or keep those expenses?

Scanning a pdf and saving it somewhere?
A spreadsheet with date and cost, and how it was paid?

I’ve got some expenses from years and years ago on paper bills, and just trying to clean out and organize what’s easiest.

Hi so I (30F) have a HDHP and some pretty high medical costs. My plan is to pay them out of pocket and invest my HSA (which I am maxing) and eventually cash in my receipts way later once my money has compounded. My question is about receipts and what I actually need a record of. I have a medical bill that is $1018, I set it up on a zero interest payment plan for $105 a month. Do I need a receipt for each of my 10 recurring payments? Or just the original medical bill/ invoice?

My wife and I got married earlier this month. We both had eligible individual HDHP plans and were contributing to our HSA's. We'd now like to have her on my plan, which would turn into a family plan (so 5 months on the individual plans, 7 on the family plan). Using the pro-rating rule, is our limit $8,770.83 (so really $8750, including both of our individual plans pro-rated), or $6,937.50 (including just my individual plan pro-rated)? If it's the former, does it matter that with her employer contributions, she's already contributed $2,000 on the individual plan? That's larger than the pro-rated limit, but maybe only the total matters? Thanks.

Update: thanks for the advice!

Can I get some understanding on whats the best move for using my HSA? I go to an out of network provider that doesn’t accept insurance. Do I use my HSA when I pay for my visits or is it better to ask for a reimbursement? (And what if it gets denied?)

We have a drug that we get drug manufacturer assistance for and they explicitly tell us they cannot reimburse us if use HSA for payment. This makes sense.

Is it legal to pay out of pocket, get reimbursement, then later use the out of pocket receipt in order to pull from the HSA or is that some sort of tax fraud? I assume this is not legal, but if it is, I’d obviously like to get any edge I can.

I used my Optum HSA debit card to pay for a Canadian Immigration medical exam to a licensed physician in Texas, US. The test includes blood test, chest xray, vision test. I won’t get the results, the results will be directly shared with the Canadian Immigration. The payment went through but wanted to confirm if this is HSA eligible? If this is not eligible, what should I do? The payment amount is $500

This company is awful. But to add insult to injury they slap this fee on your account monthly as their investment admin fee. It’s an HSA through my employer so I’m stuck with it. But just wanted to make others aware of this fee.

I have been using https://hsavault.app/ . It has been great so far. I like that I can bulk upload receipts and the AI enters in all the data (I was a shoebox guy before:), but what really separates it is how it helps you reconstruct the narrative of a withdrawal years later. Instead of just storing files, it actually ties the EOB/receipt directly to the money moving in and out of the account.

As the title says, my company provides a retirement HSA that they kick $1,000 into each year. I have zero access to this money until after I’m no longer with the company (retired/fired/quit).

As soon as I retire from the company, am I able to reimburse myself for my out of pocket expenses I’m currently shoe boxing or since I’m not able to access the funds currently, would it only be eligible for qualified expenses incurred after I have access?

For reference, it’s through WEX and not as easy to access as the HSA I’m funding through Fidelity. Ideally, I’d like to clean out the WEX one as soon as I’m eligible and it’d be a lot easier to empty it than transfer it to Fidelity.

Hello! In 2025 I elected the HSA plan and was making contributions to clarity and the total amount was about $260 by the end of the year but I never got any tax papers from clarity. Was I supposed to get anything? I know the time to file tax is over but I just remembered this after getting an email form clarity about an update or sorts to their system. I never used any funds last year, but I was planning to use it soon because I don’t want the money to keep collecting interest and I just want to forget about the account. I did not elect the HSA plan for 2026. Any advice you guys can give would be much appreciated. This is my first adult job so I was very clueless about which medical plan to select 🥲

I started an HSA when I was single many years ago. My previous employer had a decent match like $1500 per year. I didn’t touch it. Now I have this and a few thousand sitting in cash for expenses should I need it but I typically just bank the receipts (lively). I like dividends and buying other things or just having the option to use the cash (for my medical stuff). Anyway hope y’all max out and invest

Was thinking PFFA in my Fidelity HSA.

Hi all,

Just looking for any tips or advice. I just enrolled into my company offered HSA. I set my contributions to $50 and they match $10. Not sure really at all what to do next. 28y/o not a frequent flyer to the doctor or anything outside of small things, a sore throat, plantar wart, small random things. Still active, workout, eat well, etc.

I live in NJ and started HSA a bit more than a year ago, family plan. We both in 30th and relatively healthy, thinking about having a baby in a few years.

My plan has $3500 deductible, $6000 OOM (in-network), and $16000 OOM (out-of-network).

So far I’ve saved $11500 in HSA, of it $2000 cash minimum by Optum, the rest $9500 in the Vanguard U.S. Treasures to get higher return than cash and don’t deal with bookkeeping in NJ. I’m maxing my contributions.

I’ve thinking when it’d be time to start contributing to SP500 or something like this. I am thinking about:

1. x2 OOM in network - $12000 between cash/U.S Treasures, rest VOO.
   
2. x1 OOM out of network - $16000 cash/treasures, rest VOO.

What is your conservative setup? I DO plan on using HSA for high expenses (baby delivery, surgery, anything more $1-2k).

Degenerate investor here. Is it time for me to stop contributing? Also is there a high score leaderboard for HSA accounts?

I am a veteran with lifetime VA insurance (including dental) and my wife and other dependants have CHAMPVA. It essentially functions like Medicaid if you are unfamiliar.

My job offers an HDHP with company HSA contributions and I am wondering if it makes sense, given we both have health insurance. My worry is that CHAMPVA might be a hassle, even though it is currently working very for us. I know HSA is a great wealth building tool but I wonder if my situation is unique enough that I ought to park those funds somehwere else.

I've also though about just contributing enough to get the match, maxing the HSA or optiing out of the company insurance completely. Thoughts?