How many trustee to trustee transfers can you do in a year for HSA?

Transferring funds between Health Savings Account (HSA) trustees is a common practice for individuals looking to manage their healthcare savings efficiently. When it comes to trustee-to-trustee transfers in a year for HSA accounts, there are specific guidelines to keep in mind.

The Internal Revenue Service (IRS) allows individuals to transfer funds between HSA trustees as many times as needed, without any restriction on the frequency of transfers. However, it's essential to ensure that the transfers are conducted correctly to avoid any penalties or tax implications.


Transferring funds between Health Savings Accounts (HSAs) is not only common but can also be a savvy way to optimize your savings strategy. The IRS does not impose a limit on the number of trustee-to-trustee transfers you can make in a year, allowing for maximum flexibility in managing your healthcare funds.

Download our FREE mobile app to get more of the following

Over 7,000+ HSA eligible items for sale.
Check on product HSA (Health Savings Account) eligibility
Get price update notifications
And more!

Did you find this page useful?

Subscribe to our Newsletter