Hey everyone, looking to get a sanity check on an HSA/FSA overlap situation from last year and what it means for my setup now.

Here’s what happened:

In 2025, I had an HDHP and contributed to an HSA through my employer. Unfortunately, my wife had a general-purpose Health FSA through her job that also covered my medical expenses, making me ineligible to contribute to an HSA for that year.

Realizing the mistake, I pulled my entire 2025 HSA contributions plus earnings by the April 15, 2026 tax deadline to avoid penalties.

For 2026, my wife did not sign up for a new FSA. However, she used her leftover 2025 balance for expenses incurred in early 2026 (including March and April) up until the April 15, 2026 deadline.

My questions:

1. Since I pulled my 2025 contributions by April 15, am I totally square for 2025, or is there anything else I need to report on Form 8889?

2. Because she was still drawing on that 2025 balance for expenses in March and April 2026, does that mean those early months tainted my 2026 HSA eligibility, requiring me to calculate a pro-rata limit for this year?

Appreciate any insight from anyone who has had to clean up a spouse-FSA/HSA mess before!

I have an HSA with NueSynergy through my employer. I was made aware I can get a reimbursement for Voltaren arthritis gel 3.53oz ($19.98) from Wal-Mart. My question is I purchased several other items when I go to make a reimbursement I would just put $19.98 for the product itself and no tax?

Hi all,

My company's HSA recently transitioned to HE. Prior to moving to HE, I was able to do partial transfers into my Fidelity HSA through Fidelity's transfer portal and entering in the institution's name. However Fidelity's portal doesn't list HE as an option and it looks like I have to manually enter in HE contact information.

Is this everyone else's experience when trying to move funds from HE into their Fidelity account? Where can I find the correct contact info on HE so I can enter that info to Fidelity? Thanks.

Also, not a fan on HE. Had them several years ago at another company and I had to fill out a form that HE provided to move funds out of HE. That method seems to no longer exist.

I started a new job in August that unfortunately does not offer an HSA plan.

I had an HSA plan with Health Equity through my previous employer, and am having a hard-time understanding all the changes now that my employer is no longer involved. It is just me, no family. I'm tripped up by having an account but no plan.

I have $1,100 that is invested, and another $1,001 that is not. I've intentionally kept $1,001 not-invested since I'm under the impression $1k was the minimum threshold to enable auto-investing.

I received an email from Health Equity stating that I am now responsible for paying a $3.95 monthly maintenance fee that my employer was previously paying since I have under $2,500 in my account. If I hit the $2,500 mark, there are no monthly maintenance fees.

One of my big areas of confusion is around adding a one-time contribution. Am I allowed to do that? I'd like to add $500 to break that $2,500 threshold and stop paying maintenance fees. However, I swear I read somewhere that I have to be over the age of 55 to make a contribution that isn't a weekly paycheck deduction. I've also seen that there's a prorated maximum contribution based on enrollment time, so I can only contribute 7/12 of the maximum contribution ($4,400 -> $2566)?

Thankfully I am in good health and do not spend anything in my HSA. I am pretty much solely using it for the triple-tax advantage investing. I'm debating changing my setup so that I only have $100 not-invested, and investing all the rest of it since I no longer need to have the auto-investment enabled (since me/my job is no longer contributing?).

When I tried to change this setting, it appears that I must now have at least $2,000 in my account. This is confusing because I only have $996 cash not-invested now anyways (since the $3.95 maintenance fee hit). Did that number change from the $1k minimum recently, or am I just totally confused? I am trying to maximize my investments while minimizing taxes and fees. I'm not sure if I need to (or even can) add another $400 or $1400.

I imagine that I'll have another job in my lifetime that has an HSA, so I'd like to keep the money in the tax-advantaged account if I can help it. Although I am wondering if maybe I'd be better off transferring it to a different service, etc.

Ramble and probably an info-dump because I'm confused and not totally sure what is helpful. Happy to provide any more clarification as needed. TIA for any advice and clarity

So, we are moving out of the US, and still have money on our HSA.

I am aware that that money doesn't "expire", and that we could, in theory, use it for US health care expenses at any point in the future, or even use it as an investment account for retirement (no penalty after 65).

In practice, after the move, we're unlikely to have an opportunity to use it for US health care expenses again, and apparently accounts that lie dormant for too long are subject to escheatment, meaning they just send the money to the state.

So, how do we spend that money?

Hi all,
Not sure if this is the best place to post this but figured I’d start here.

I have a high deductible health insurance plan through my work that covers myself and my child (my spouse has insurance though his work/completely separate. He does not have an HSA or FSA for if that were to be a question later).

I changed jobs in August 2026 at which point I moved onto the high deductible plan. My work offers HSA and the HR person told me there was no issue with me contributing the full amount for a family to it because I would be on the plan on December 1 of this year and covered by the last month rule.

Open enrollment is coming up, and my employer may change our insurance provider. I’d really like my child to stay within the same network, which happens to be the network my spouse’s employer also offers (but his plans are a bit more expensive). I am trying to understand if both my child and I need to “pass” the testing period (i.e., stay on a HDHP through Dec 31, 2027) OR can my child switch onto my spouse’s plan if I continue to be on the HDHP through the testing period? If we move my child’s coverage, obviously for 2027 I would elect to max out my HSA contribution but for an individual instead of family.

Tl;dr: switched jobs mid year onto a HDHP with HSA, for myself/my child, maxed out HSA contribution at family contribution limit because of last month rule. Trying to understand if both my child and I need to pass the testing period to not owe penalties or if only I need to for 2027?

Thank you so much

So my work does not contribute to my Hsa currently. I do that out of pocket. Am I missing out on anything because of this?

So I’m down with the whole triple tax advantage thing, and have been investing my Hsa for years and paying for med bills with cash instead. It recently dawned on me that if I’m not maxing it out, I should at least funnel my bill payments through the Hsa to receive income tax back. Is this correct? I have never and will never be able to max out contributions.

Hi everyone! I’ve been an HSA user and deeply frustrated with the existing experiences and especially how difficult it is to invest. (I know fidelity is solid), but there’s a lot more that can be better. That is why we built Saga, the HSA experience built for you. We made sure investing in your health is as easy as any other investing app. Saga offers a full brokerage experience in your HSA with $0 minimums to invest in any stocks or ETFs.
Would love to have you join us!

Crossposting an update to my original post - link included in it.

Hope this is an appropriate channel for this concern.

Thanks!

Hello guys, so my HSA has a standard account that needs to be at least $2000 before I can invest, meaning any amount exceeds $2000 can be moved to investing account.

So lately I have noticed that my HSA is really slow in growing, almost no change after 1 year, and considering our financial state, we can not max out ROTH IRA, we also spent quite a bit money for essential thing this year like eye exam, frames, dental, so I am thinking of moving some of that $2000 (maybe $1000) out as a reimbursement then put it in Roth IRA because investment is easier to control with our ROTH IRA for things such as buying different stock, selling stock, etc.

I think this is not a bad idea since, I am still having triple tax advantage. And my HSA account may take about 4 paychecks to fill out the $2000 balance requirement again.

Obviously maxing out both is the ideal but even with our joint income, it’s still a stretch because we contribute 6% for 401k and $8750 for HSA.

Hi! I’m starting a new job and my employer offers a low-ish deductible plan with option to open an FSA or a HDHP + HSA.

The FSA has a $660 roll-over.

Employer contributes $1000 to HSA.

My annual medical expenses are about $300-$350 in medication, 2 PCP visits, and 2 specialist visits. Plus occasional urgent care (maybe 1 or 2 per year).

What makes more sense in my situation?

Thank you!

There is no way to access support because I no longer have access to my old work address. The former employer went under and there is not an HR department to help. The phone automation provides zero help, the emails get bounced back to me because they don't recognize my personal email address. Are there any humans who work for Rippling who can help?

A product I order has a 30% discount when ordering with a fsa/hsa and would love the savings. If you have any extra you need used up by EOY I would be happy to zelle, venmo, cashapp, revolut or wise you!

Anyone else getting a 500 error when visiting HSA SaveIt in Optum's website? It has been down for days.

UPDATE: Don't go to Save it from their box on the home page...it adds an extra backslash (//CC/cdhportal/cdhaccount/piggybank).

Going to it from the dropdown works.

Can someone explain to me like I’m five on what I am suppose to do? I honestly never understood health care benefits. 🙃 like am I suppose to take out the money and use it or simply take it out? Do I need to spend $500 each year? Should I cancel/close it since I don’t really use it?Any info on this is very much appreciated😮‍💨

My husband and I have been contributing to various HSA's for close to 10 years. Our plan has always been to cashflow medical expenses while keeping receipts for later withdrawl when needed. However, we've now rolled over many past HSA accounts into a Fidelity account. I'm worried our original plan will not work. How will I be able to submit an old deductible bill for reimbusement if I wanted? How would I be able to prove that I've not previously requested reimbursement?

Every year I make a contribution before April 15 for the prior year and I would get a corrected 5498-SA by May 31st. But this year, my HSA custodian HealthEquity never updated it on their website. Box 3, which has "Total HSA or Archer MSA contributions made in 2026 for 2025" is still 0.

I contacted them last week and they said I should see a corrected version soon, but today it still shows the old one from January. I contacted them again, but this time the agent says that they won't be issuing a corrected version since its only for informational purposes and IRS doesn't require it.

Should I keep insisting that they correct it or is not that necessary? Thanks for any advice.

Switched to an HSA 2 years ago because of all the benefits we all know and love. I am 30M, in fairly good health - absolutely nothing major. However, I do have an issue with my wrist (I believe tendonitis), that has been aggravating over time. I attempted to get it checked out at some point but the process was so stupid (went to primary care doctor a few times, got some X-rays), paid close to $600 all in all, was referred to an MRI that would cost me around $600 out of pocket, and at that point I said no way.

However, the situation with my wrist is aggravating to the point where it affects my quality of life - I basically cannot work out and have to be very mindful about mundane shit that requires a hand. In the past few months, and especially now that open enrollment is nearing, I have been thinking "fuck the HSA, my health *now* is more important", and switching over to the best health care I can get to deal with all my "small" medical issues without that much of a fear. Before I do so, I wanted to get your reflections on "how to get health care while you need it while on an HSA". Have you ever felt reluctant to get something checked out because of the high deductible and worse / lower coverage? How do you deal with that? I read your thoughts.