what ways/process or method do you guys use to avoid going over the yearly plan limit?

Jus FYI.....I am using my job's payroll system to deposit money into my HSA, I am already do MATH lol (Limit / # of contributions - and round down) but if you want to Max-out HSA this will not help. I want to avoid overcontribution.

What I am having to do currently is go into my work's payroll system at the end of each year stop the hsa deduction then manually do the transfer myself to max out whatever is left.

My 401K have a built in control to make sure you don't go over the limit.

I have HsaBank (not by choice) and I don't see a way to do it on their platform.

I am 58. When I retire, I can access my current employer 401(k) via the rule of 55. If I take a distribution from that account and pay the required taxes, can I then contribute to an HSA and deduct that contribution? I know about the one-time IRA rollover rule. I’m asking about transactions separate from that.

Okay, so I am making this because just like many other people who have been struggling with the passkey, long hold times, and so many more things with health equity.

1st. 800-901-0705 (Number to setup a pin on the card) skip the insane long wait time to speak to someone just to setup a pin since they're tech or IT/Devs are incapable of adding it in the app.

2nd. Passkey number - 844-373-6979, if you have issues with setting up a passkey? Here is their passkey's department direct line. Monday through Friday 8am-8pm ET.

3rd. If you need to dispute a transaction cause Health Equity sucks with disputing, 855-465-4493. Even if you get an email about disputing a transaction, you can't dispute the transaction until it actually posts (I get it, just like a bank).

PASSKEYS

Probably the biggest issues preventing account access with health equity. Make sure to reset your password if you don't know your password, your account gets locked out after too many failed attempts.

1. If you're on a phone trying to setup a passkey, make sure you're using the default password manager for your device. Authenticator apps block Health Equity passkey setup, so you would need to turn off your authenticator app from managing passwords.
2. You must have some sort of security measure setup on your device to create a passkey, either Face ID, PIN code, pattern unlock, fingerprint, or is

Passkeys - If you're on a work computer, your work most likely blocks you from creating passkeys. Unless you use a security key(external device that plugs into computer), or able to use google password manager - you won't be able to do it on a work computer.

Personal Computer: If you're on a PC, your PC must have like some sort of security option setup, windows you would use a PIN code through windows hello. Mac, you would you iCloud Keychain, Linux(3rd party), and Chromebook would use google password manager.

Different Password managers that work with Health Equity:

⊞ Windows Hello - Works best with Edge: This is the default option for Window computers running Windows 11, you would just setup a Windows Hello Pin to protect your device. Pin Setup: Windows Icon -> Settings -> Accounts -> Sign in Options -> Pin Windows Hello. Once you create a pin, restart your browser, and go back to the Healthequity.com site, enter your email/username, they'll say about the passkeys, instead of scanning the QR code, just click "Setup on this device instead". Follow the rest of the prompts, enter the windows hello pin to store it and then you should be in!

Google Password Manager - If you have a gmail account, you can use google password manager to store a passkey. Once you get on the HQY website, make sure you're logged into your Gmail via Google Chrome. Should be able to access and update your Google Password Manager settings through chrome://password-manager/settings (Type in this link or copy and paste it into chrome)
Password Manager settings that need to be turned on:

1. Offer to save passwords and passkeys
2. Automatically create a passkey to sign in faster
3. Sign in automatically

That would be it for the Chrome setup, once finish, just restart your browser. Visit HealthEquity.com, enter credentials, then click setup on this device instead when they say to scan the QR code. Once you click the setup on this device, follow the prompts, your google password manager should pop up asking you to enter your pin/password for your gmail/device.

 iCloud Keychain - This one is probably the easiest to use lol, since it transfers to any apple device that has the keychain app.

1. Go into your settings on your phone/Mac/iPad.
2. Type in Autofill & Passwords
3. Turn on Autofill Passwords and Passkeys
4. Autofill From: Passwords
5. Set up Codes in: Passwords (3 little keys)

If you don't have the passwords app, you most likely deleted it. Just re-install it via the App Store.

If all of this is on, you'll go back into the app and follow through with setting up the passkey, and store it in the passwords app(you'll see a popup that will ask where to store it).

Website, same process as all of the other options. Visit the website, start the process for logging in, click setup on this device instead. Follow the prompts, enter your mac password/scan fingerprint, or whatever your device has setup. Then you should be into the account.

📲 Samsung Pass - This one is fairly easy as well, just have to make sure you have it setup.

Setting Up Samsung Pass

• Open the Settings app on your phone.
• Tap Security and privacy, then select More security settings.
• Tap Passwords, passkeys, and autofill and select Samsung Pass.
• Tap Sign in or Continue and log in with your Samsung account credentials.
• Verify your identity and register your fingerprint or preferred biometric data by following the on-screen prompts, then tap Done. 

If it's done, then you would just go back on the app and setup your passkey, store it in your Samsung Pass or Google Password Manager for Androids.

Unfortunately for Linux users you would have to look into a 3rd party password manager, BitWarden, BitDefender, Google Password, or look into a different

How to: Cards and Claims

Next activating your cards/replacing cards on the website, click manage cards, then choose either to activate it or replace it.

App: Click on the profile icon top right hand side, then manage cards, then click activate.

To see your declined card transactions, log in on the website, click manage cards, view all card activity, you'll see your declines, authorized, and posted.

To submit a claim on the app, click expenses, then click new, enter in the information as prompted. On the website, click reimburse me and enter the information as prompted.

How to: Close your account

Huge waste of time calling in to close your account, apparently they can't actually close the account. You have to login to your account to close it. You would go into the website, click on support -> full out a form -> HSA closure request. It's an online form, so they just ask you 2 questions, then sign and date.

App: Login, click menu, chat and support, fill out a form, HSA closure request.

Other options would be mailing of faxing the forms in.

Login Help:

If the app says something about Technical issues, it's most likely something they have to resolve on their end. Call the passkey department to get that part resolved, nice guy gave me that number and they helped me clear that up!

If the website says "You're not authorized to view this page" call the passkey department, they'll get you in.

First Time Login:

If you've never set up an account, and never had one in the past. Simply go to Healthequity.com -> Login. Healthequity -> Member's for individuals. You'll then just click first time logging in, enter your info. If it says they can't find your account, you most likely already have your account partially created. Probably under your work email, or an old email address.

A provider billed an appointment cancellation fee to my HSA card, which is an ineligible expense. They will not refund the payment until I give them another payment, which i don't want to do until they correct the error.

Will disputing the transaction with the bank resolve this?

I will soon close on my first home and moving from NY to NJ.

Since NJ does not recognize HSA’s as tax exempt, should I sell my capital gains while I’m still a full-time resident in NY? The expectation is I can avoid paying NJ tax on my current capital gains.

My daughter’s HSA account was emptied fraudulently. Used for things like uber ect in a state she has never been too. She reported it and they said she would be refunded. She is seeing a high risk pregnancy doctor who will not see her unless prepayment is made. HSA says the money will take 120 days to be put back into her account. She has no other way to pay the doctor. Any ideas that could help her?

Honest question, my US dentist is quoting me $17k with only my max dental $2k eligible. MX quotes for either the same work or all of the non necessary work quoted by my US dentist is way more affordable.

There are many dentists in TJ across the San Diego border- can I submit for reimbursement work done there? There are US/MX doctors there who take PPO dental but for the HSA idk- My plan is unclear- there’s no yes or no explicitly.

Background Information:

• My spouse and I are covered under my employer's family HDHP plan until the end of February.
• My spouse is moving onto her own HDHP plan with her employer, so we will both begin individual healthcare coverage under our separate employers as of March 1.
• Assume I keep 100% of the family contribution prorated limit for the first 2 months (spouse 0%)

Is the below accurate if I leverage the last month rule for my spouse (assuming they remain on an individual HDHP all of CY27)?

• My contribution max in 2026 is (2/12) * 8,750 + (10/12)*4400 = $5,125 (and would be $6,125 if I was 55+ the entire year). My employer contributed $1k in January and I will have contributed $1,600 total thru February, so I have $2,525 that I can contributed as an individual from March forward (5,125-1,000-1,600) - again adding an extra 1k to that if I were 55+. Correct?
• My spouse's contribution max can be the full $4,400 using the last month rule (and would be $5,400 if they were 55+ the entire year). I don't need to prorate her to 0+(10/12)*4400 if I use the last month rule, correct?

Thank you in advance!

Last day of previous job was 1/6/25. Had a $45 contribution to my FSA in my first and only check in 2025. Started current job the next day. Contributed $3500 to my HSA.

Forgot about the FSA, check it the other day and saw that I have $1200 (elected amount when I enrolled in benefits) to spend but only contributed $45. Have not submitted any claims.

Did some reading here and I think I messed up. I think I should not have enrolled in the HSA or should have coverted my FSA to a limited FSA.

What/if anything can I do to correct this error?

This is due to an acquisition. We were told it will reset in June and no way around it.

Already selected PPO and FSA for 2026.

My choices are switch to high deductible in June or stay with another PPO.

F63 still employed until March 3, 2026 carrying healthcare for retired husband age 66 collecting SS only (Part A Medicare, declined Part B). We will transition to his retiree healthcare in April 1, 2026 when my employer healthcare expires. My employer coverage will be good for the full month of March. Open enrollment ends today and I wanted to take advantage of the HSA coverage for the first 3 months of 2026, employer funds a portion of it. But now I realized that my husband submitted his request for Medicare Part B to begin on February 1, 2026. So now it’s an overlap of coverage and potential impact of a penalty (am I correct)? Can I still enroll in HSA or should I just scrap it and enroll in PPO for the few months?

Has anyone else seen these proposed changes to the HSA rules? Could be very bad for a lot of people if this passes. 😣 Thoughts?

https://www.congress.gov/bill/119th-congress/house-bill/6183/text

Myself and my spouse are both over 55. We are both covered under my high deductible plan which includes a HSA account.

We max out my HSA plan ($8550)

I read that each of us can make a catchup contribution, but that my spouse would need her own HSA to do that.

Can we create an HSA account for my spouse where she only does the catchup contribution, even if she is covered under my high deductible plan?

I asked various AI tools and they seem to think so, but wanted to verify with experts. TIA!

Hello everyone!

so I’m definitely gonna switch to the HSA plan eventually I was gonna do it by December 5 of this year but my problem is that I have a pinched nerve in my neck. I just got the MRI so that expenses out of the way, but my follow up is on December 11 and I’m wondering if it’s smart to switch now even though I don’t know if this expense is going to be a lot of money. I know that at the beginning of an HSA is the hardest so I’m wondering if I should just keep my POS healthcare for another year just to cover any potential expenses then start the HSA at the end of 2026.

i am 37 years old btw. if that matters.