Salam
I transferred my employer based HSA from equity to Fidelity which gives me options to invesnt in many things including Amagx/ amanx/ spus/ halal etc
I have spus/ spwo in my brokerage acount, amana growth inst in 401-k
What should I invest in HSA ? I am not paying it for bills with goal of reimbursing it later IA
Jazakallah
Wife has an HSA through Health Equity.
Curios if anyone has transferred their HSA to Fidelity? What was your experience? We have a brokerage, IRA and 2 Roth IRAs with Fidelity.
Can the Fidelity HSA store receipts for reimbursement in the future? I’m thinking of using the HSA as a retirement strategy. No reason to explain the rabbit hole of the HSA retirement strategy. If Fidelity would be able to store my receipts for years and then reimburse me years from now would be my biggest reason for transferring the HSA. Wife’s employer has moved the HSA to another provider one time before. Lost all the saved receipts in that system.
I do have a system set up for all my saved receipts but I like the idea of receipts stored with the HSA provider for simple reimbursement in the future. Trying to implement a system that will be easy for me, my wife or child to get reimbursed in the future when the time comes.
We have a portion invested in our HSA with an S$P 500 fund currently. It sounds like would have to sell those before transfer.
We would have to keep the Health Equity because that is where employer deposits contributions. Anyone deal with the annoyance of having 2 HSAs? Do you think it is worth having 2 HSAs?
After writing this I am leaning towards leaving the HSA as is. But if anyone has any thoughts I would like to hear it.
My employer provides HSA through Inspira Wallet. I just started contributing to it and plan is to max it out for 2026. I know that in order account to stay open, I will need to keep 1000$ in the balance and can invest the rest. I searched the Inspira and found that they charge fee for investment which doesnt make sense so I am planning to wait until I have 1000$ in the account and then open Fidelity HSA and transfer excess amount to Fidelity HSA. If you went through the same process, would love to hear your experience and i wanna make sure this is feasible to do and I want have tax issue later.
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?
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?)
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.
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 a rollover IRA with about $3k in it, as well as an old employer’s 401k also with about $3k in it. I just got a new job, I’m getting a 401k with match through them, and
an HSA that they contribute a flat amount to every year. My understanding is that priority goes Emergency Fund (check), 401k with match (check), then HSA, then IRAs.
Would it be smart to rollover the old 401k and the current IRA into my HSA? And then maybe open a Roth IRA? I don’t have the income to max out both HSA and another IRA.
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.
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.
Went back through a year of CVS / Amazon / Walmart receipts and realized I'd been leaving real money on the table by not knowing what actually counts.
Sharing the surprising ones in case anyone else is sitting on a drawer of receipts:
☀️ Sunscreen (SPF 15+) — fully eligible, no doctor's note needed.
💄 Lip balm with SPF — same. Often missed because it rings up as "cosmetics."
🦷 Medicated toothpaste (Sensodyne, prescription fluoride) - eligible. Regular toothpaste is not.
🤱 Breast pumps + accessories (Elvie, Willow, replacement parts) — eligible.
🧴 Acne treatments (benzoyl peroxide, adapalene) — yes, even OTC, since the 2020 CARES Act.
🩸 Period products (tampons, pads, cups, period underwear) — also CARES Act.
🏋️ Gym membership / Peloton / treadmill — eligible with a Letter of Medical Necessity. Obesity, hypertension, and diabetes risk are common qualifying conditions.
💆 Massage therapy — same: needs an LMN tied to a specific condition (back pain, migraines).
🩹 First aid kits, thermometers, blood pressure cuffs — all eligible, almost never claimed.
⏳ The HSA play that took me too long to internalize:
You don't have to reimburse yourself now. Pay out of pocket, let the HSA compound tax-free for years, then reimburse yourself in 10 / 20 / 30 years with the original receipts as proof. The IRS has no statute of limitations on reimbursement as long as the expense was incurred after the HSA was opened.
🛠️ Which is why I got annoyed enough to build a small tool to track all this. Runs entirely in your browser. No account. No server. Nothing leaves your device.
Snap a receipt, it classifies each line, you keep the receipts forever. Built it because I didn't trust uploading years of medical receipts to a SaaS.
💬 What eligible items do you all wish you'd known about sooner?
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.
Degenerate investor here. Is it time for me to stop contributing? Also is there a high score leaderboard for HSA accounts?
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
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:
What is your conservative setup? I DO plan on using HSA for high expenses (baby delivery, surgery, anything more $1-2k).
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.
About 7-8 months ago I remembered I had an HSA bank, account with an old employer(who has stopped using HSA bank). I tried to withdraw the money because I no longer needed an HSA and was comfortable paying taxes on it. They were also charging me monthly fees this whole time. HSA bank Immediately froze my account for "suspected fraud". Then began the enormous waste of time that was trying to get this resolved. I was told countless time over the past 7+ month "We're waiting on a response from" or "I will call you back in two days with an update". This went no where and the account is still frozen. They sent the check anyway(some fraud protection), which I recently cashed.
My question is: as long as I pay the taxes on the disbursement, is there anyway they can come after me for, "unpaid account fees" or something?