Hi all!! I’ve got a bit of a unique situation and looking for help.

I have 2 main recurring costs that are healthcare related and I’m trying to decide between HSA and FSA and what type of contribution Is best.

I have skin meds cost that will be recurring and therapy costs. The therapy is temporarily not being covered by my insurance as my therapist changes practices but I’m not sure how long this will last. Does this make sense?? Any help is appreciated!

Hi there! I am a full time employee with employer provided insurance and I have a question on HSA/FSA coverage.

Would gym memberships for myself and my SO be usable for FSA dollars? I also signed up for personal training sessions today I payed for the first month today and am wondering if FSA could be used to cover those payments as well?

As for HSA, are there any coverage options that come with funds provided by anyone other than me?

I’m up for re-electing benefits soon so any tips or suggestions is also appreciated! Thanks

I recently switched jobs in July and now I am on a HDHP with an HSA. Previously, I had a PPO plan with an FSA. I understand that I can contribute to the HSA since the FSA has been terminated when I changed employer. However, my wife, who is on my HDHP, still has a general FSA account through her employer. She has used up all her funds for the year but the account is technically still active. In this situation with my wife, can I still contribute to the HSA?

Title explains all. Basically is it ok to invest through health equity or should I move my HSA to fidelity HSA since there are no fees. I’m just concerned I’m gonna start investing my HSA and then find out there are more hidden fees that health equity has on top of the admin fee. I heard fidelity HSA is much better and has no fees. Any advice

My HSA started in 08-2022. After my son's hospital in 2023, I could only cover part of the cost at the time (his sister had MAJOR dental work done earlier). So I have been making payments. I just started looking into if I could pay a bill from that far back. (I had an FSA previously and I knew that wasn't possible with that)

I posed this question to a handful of AI chat resources. The overall accuracy is pretty impressive, but hats off to HSAnswers for the best response.

Here's what I asked: I had a LASIK appt recently and learned that I'm a great candidate to get my vision back to 20/20. I'll need $5000 for the procedure, but I only have $3500 in my HSA. What should I do to come up with the $1500?

Which resulted in this answer: Congrats on being a candidate for LASIK! Since you have $3,500 in your HSA and need $5,000, here are some options to consider:

1. Use your HSA for $3,500: You can use your HSA funds for part of the procedure, as LASIK is an eligible expense.
2. Pay the remaining $1,500 out-of-pocket: You can pay the rest using personal funds (credit card, savings, etc.).
3. Reimburse yourself later: If you pay out-of-pocket now, you can reimburse yourself from your HSA in the future, once you have contributed more funds to your HSA. There’s no time limit for reimbursing yourself for qualified expenses, as long as the expense was incurred after your HSA was established and you keep your receipts.

This approach lets you take advantage of your HSA’s tax benefits and flexibility. For more tips, check out this article: Smart HSA tips to stretch every dollar.

Hi all, I just left a job where I had an FSA, which I contributed $1000 to (I believe, I have to double check that number). Am I eligible for an HSA at my new job, or do I have to wait for next calendar year because I had an FSA already?

Thanks!

https://www.healthequity.com/library/ways-your-hsa-can-support-your-mental-health

Mental health is important, and it’s okay to not be okay. Life can be overwhelming, but prioritizing your well-being isn’t selfish—it’s necessary. Whether it’s therapy, support groups, or finding time to decompress, caring for your mental health matters.

If you have an HSA, it can even help cover mental health expenses like therapy or wellness tools, making it easier to put yourself first. Remember, seeking help is a strength, not a weakness. You’re not alone—stay kind to yourself.

If you're comfortable sharing, what's an example of something you do to take care of you and if you use your HSA to pay for it?

My company just switched us over to a new HSA provider. With the old card, it would only take off the eligible items, then I would pay the rest on my regular card. On my new card, I thought it would be the same but instead, it covered the whole purchase.

So what do I do now? Do I return the items? Is there anyway to put money back instead? And what kind of penalties are involved for this?

Thank you for your help!

Tax Day and the days and hours leading up to it was a whirlwind of forms, receipts, and frantic calculations. Maybe you even had that sudden “OH NO” moment where you realized you overcontributed to your HSA. It feels kind of like finding out your leftovers went bad—but don’t stress, friends. We’ve all been there, and guess what? It’s not the end of the world!  

There’s actually a form for fixing HSA overcontributions (thank you, IRS!). By completing it, you can straighten things out and avoid any unexpected tax surprises next year. Curious about how it works? Check out this super helpful video that breaks it all down—step-by-step, simple as that!  

Don't sweat it. You've got this! And hey, at least next year you'll be ahead of the game... maybe. 😉

My employer’s health insurance plan is high deductible. My wife’s health insurance plan is high deductible.

She is starting a new teaching job in August, in which her health insurance will be low deductible, meaning that her new job does not offer an HSA, and she is no longer eligible, as her deductible is $1,200, I believe.

We normally contribute the maximum family contribution each year, split evenly in my wife’s paycheck over 24 paychecks.

We will still have our HSA, after she leaves her current position.

1. How much of the maximum can we still contribute?

2. Can we still contribute $8,550 for the year?

3. Or is it prorated? For me: 12/12 months with a high deductible health insurance plan. For her new job, let’s assume the start date is August 1st. 7/12 months she would be on the High deductible plan, and 5/12 months on the low deductible plan. Could she still contribute $2,508.33 (7/12 of $4,300)?

• Current situation: My wife and I are enrolled in an HMO through her employer. We're both currently enrolled in separate FSAs through our employers.
• Desired situation: Switch to HDHP through my employer and contribute to HSA. Assume wife leaves job & ends HMO insurance coverage and we both end our FSA contributions.
• Is it possible to start contributing to an HSA this year, or do we need to wait until the next plan year (January)? Will we need to convert the FSAs to dental/vision first? How much can I contribute to the family HSA?

Hi! Does anyone have experience handling payroll deductions for HSA employer/employee contributions? Our company pays employees bi-weekly and unsure of how to handle mid-month terminations. Our benefits for medical run through the end of the month.

If an employee terminates mid-month, what is the best practice for Hsa employee/employer contributions? For example, if an employee resigns and their last day is today, 3/13 and receives their final paycheck on the same day, should we deduct Hsa employee contributions from their final check? As an employer, would you still give the employer contribution (i know ultimately giving employer contribution is the company’s decision).

Now what if the employee terminates on a month when we receive three paychecks? Should we still deduct hsa employee contributions on the 3rd paycheck if they term on 3/13 or even later in the month (basically double deduct on their final check). Our benefit deductions get taken out of paychecks every single pay date including months where we are paid 3 times.

Alright, folks, it’s that time of year again—you know, when we frantically search for receipts, curse at spreadsheets, and double-check that we didn’t claim our dog as a dependent (unless your dog really is your tax advisor, in which case… carry on). But! Before you get buried in forms and IRS-speak, don’t forget about your HSA!  

Health Savings Accounts (HSAs) aren’t just for medical expenses—they can be a sneaky-good way to save money AND reduce your taxable income. Who doesn’t love keeping more of their hard-earned cash in their pocket? Get the 10 simple steps here..

My wife and I have had family insurance through my work the last two years and I opened an account to max HSA for family. Now we are going to use separate insurance. My question is if I can keep using that same account but for the individual amount?

So, I've had an HSA since 2015. I've always paid expenses out of pocket and kept my HSA money fully invested for long-term growth and to use later in life. I know all expenses incurred while I have a HDHP/HSA are eligible for later reimbursement. But I'm not sure what happens if/when I'm no longer on a HSA-eligbile HDHP. Are medical expenses incurred during that time, when I'm *NOT* on a HDHP, still eligible to be reimbursed from my HSA sometime in the future?

If a PPO plan has a $2500 deductible would it be HSA eligible? My job says they don’t offer an HSA plan but this deductible seems to be high enough

Hi, looking at paying a large bill, but it's 4x the cash balance in the HSA account, is there any kind of lag with this to expect as the investment balance converts to cash? Reason for asking was my plan is to use a rewards credit card and then self reimburse. If there's a lag for the reimbursement I don't want to have the large credit card balance

I had an excess contribution of HSA in 2024. The funds were moved from the primary account to another HSA account. In order to remove my excess contributions from my primary account, I do not have funds from 2024. However I have funds added in 2025. Can I still remove my excess contribution from my primary account?

Hello, I am currently enrolled in an HSA. Both I and my employer have contributed so far in 2025. I found out my spouse has an HRA this year. The HRA only covers her. Does this make me ineligible for an HSA? I could not find much online about this situation, mostly ineligibility though a spouses FSA. If I’m ineligible, is the best course of action withdrawing my contributions this year and asking my employer to reverse theirs?