What If I Still Have HSA from a Previous Year?

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HSA rollover and no expiration date

If you have a Health Savings Account (HSA) from a previous year, you can continue to use the funds for qualified medical expenses. Your HSA balance rolls over from year to year, so there is no expiration date on the funds.

If you have an HSA from a previous year, congratulations! You get to keep the funds for your medical needs without any pressure to spend them all at once. These accounts are an excellent way to manage healthcare expenses over time.

Key rules: ownership, contributions, eligible uses

Here are some important things to know:

• You own the money in your HSA account, regardless of job changes or life events.
• You can keep contributing to your HSA as long as you are enrolled in a high-deductible health plan (HDHP).
• HSA funds can be used for a wide range of medical expenses, including doctor visits, prescriptions, dental care, and more.
• If you have a balance in your HSA at the end of the year, it carries over to the next year.

Using HSA funds for future medical costs

It's important to make the most of your HSA funds by using them for eligible expenses and saving for future medical costs.