HSA Blog

• HSA at Open Enrollment: How to Decide on an HDHP for 2027 — The HDHP-versus-traditional-plan decision comes down to one calculation, not a rule of thumb. Here is the arithmetic with 2027 numbers, plus the eligibility traps that disqualify people after they have already enrolled.
• Every Bronze Plan Is Now HSA-Eligible: The 2026 Rule Changes Nobody Told You About — Three HSA changes took effect in 2026 — all ACA bronze and catastrophic plans now qualify, direct primary care no longer disqualifies you, and telehealth is permanent.
• HSA Contribution Limits for 2027: The New Numbers and What Changed — The IRS set 2027 HSA limits in Rev. Proc. 2026-24 — $4,500 self-only and $9,000 family. Every figure, how it compares to 2026, and what to do at open enrollment.
• Who Can Open an HSA? The Eligibility Rules and What Disqualifies You — HSA eligibility is stricter than most people realize. Four conditions must all be true, and the disqualifiers catch people who assume an HDHP is enough.
• What Happens to Your HSA When You Change Jobs — Your HSA is yours, not your employer's — but a job change creates four decisions and one of the most common ways people over-contribute.
• HSAs in California and New Jersey: The Two States That Don't Play Along — California and New Jersey don't conform to the federal HSA rules. Contributions and earnings are taxable at the state level — here's what that actually costs.
• Over-Contributed to Your HSA? How to Fix It Before the 6% Penalty Compounds — Excess HSA contributions carry a 6% excise tax for every year they stay in the account. The corrective distribution, the deadline, and the cheaper alternative.
• What Happens to Your HSA When You Die: The Beneficiary Rule That Costs Families Thousands — Name your spouse and the HSA stays an HSA, tax-free. Name anyone else and the entire balance becomes their taxable income in one year.
• Can You Use Your HSA for Your Spouse and Kids? — Your HSA covers more people than your health plan does — and one common family situation works in exactly the opposite way you'd expect.
• 9 HSA Mistakes That Quietly Cost You Money — Most HSA mistakes aren't dramatic — they're small defaults that compound for years before anyone notices. Here are the ones worth fixing now.
• HSA Rollover vs. Transfer: How to Move Your Account — Moving an HSA to a better provider is straightforward, but picking the wrong method can cost you taxes and a 20% penalty. Here's the difference.
• Form 8889 Explained: Filing Taxes With an HSA — If you have an HSA you have to file Form 8889 — even in a year you contributed nothing. Here's what each part does and where people get it wrong.
• HSA vs. 401(k): Which Should You Fund First? — An HSA beats a 401(k) on taxes but loses on flexibility and size. Here's the funding order that actually makes sense for most people.
• Why Your HSA Is the Best Retirement Account You're Not Maxing Out — HSAs offer a triple tax advantage no 401(k) or IRA can match. Here's why maxing yours out before other accounts can make sense.
• How to Reimburse Yourself From Your HSA, Step by Step — Paying medical bills out of pocket and reimbursing yourself later is the most powerful way to use an HSA. Here's exactly how to do it correctly.
• How Long Do You Need to Keep HSA Receipts? — The IRS never publishes a number, which is why the advice online is all over the place. Here's the actual answer, and what a receipt has to show.
• What Happens to Your HSA When You Turn 65 — At 65 your HSA changes in three important ways — one great, one restrictive, and one that catches people off guard six months early.
• HSA Contribution Limits for 2026: Every Number You Need — The IRS raised HSA contribution limits again for 2026. Here are the new figures, the HDHP rules behind them, and the deadlines that actually matter.
• The Shoebox Strategy: How to Legally Reimburse Yourself Years Later — You can pay medical bills out of pocket today and reimburse yourself from your HSA decades from now. Here's how the rule actually works.
• HSA vs. FSA: Which One Actually Saves You More Money — They sound similar and both cover medical costs pre-tax, but HSAs and FSAs work very differently once you look past the surface.
• Should You Invest Your HSA Funds? Here's How the Math Works — Most HSA holders leave their balance sitting in cash. Here's what that's actually costing you, and how to think about investing it instead.
• What Actually Counts as an HSA-Eligible Expense? — The list of qualified medical expenses is broader than most people think — and a few common assumptions are wrong. Here's a practical rundown.