Do I Get to Keep My HSA if I Leave My Job?

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Keeping and portability of your HSA

Many individuals who have a Health Savings Account (HSA) through their employer wonder what happens to their HSA if they leave their job. An HSA is a valuable tool that allows you to save pre-tax dollars for medical expenses, but the rules regarding it can be a bit confusing.

If you have an HSA and are considering leaving your job, here's what you need to know:

So, yes, you do get to keep your HSA if you leave your job, and you can still use it for medical expenses in the future.

Absolutely! Your Health Savings Account (HSA) is your personal asset, which means it remains yours even if you decide to leave your job. This incredible portability allows you to take it with you for future use.

What changes after leaving employment

• HSAs are owned by the individual, not the employer, so you get to keep your HSA when you leave your job.
• You can continue to use the funds in your HSA for qualified medical expenses even after leaving your job.
• If you start a new job with a different health insurance plan, you can still use your HSA but may not be able to contribute to it if your new plan is not HSA-eligible.
• You can also choose to rollover your HSA to a different provider to have more control over your investments and fees.