Who Can Use My HSA Card? Everything You Need to Know

When it comes to your Health Savings Account (HSA), you might wonder who can use your HSA card. The answer is quite straightforward. Here’s everything you need to know:

Your HSA card can be used by:

  • Yourself: As the account holder, you can use the HSA card for eligible medical expenses.
  • Your Spouse: Your spouse can also use the HSA card for qualifying medical costs.
  • Your Dependents: If you have dependents that are considered as qualified dependents, you can use the HSA card for their eligible medical expenses.

It’s important to note that anyone other than yourself, your spouse, or your dependents cannot use your HSA card. Additionally, your HSA card cannot be used for non-medical expenses without incurring a penalty.


Your HSA card is a valuable tool that can help manage healthcare costs. As the account holder, you have the convenience of using it for qualified medical expenses that you incur.

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