Ever since being introduced to the wonderful world of HSAs and FSAs, I have been moved around from one provider to another every few months due to various life & work upheavals. Now that I have an HSA it's especially annoying because that is my money, and I want to manage it with the provider of my choice. [more inside]
My friend has been seeing a psychologist, but not submitting the bills to insurance. Can they use their HSA funds to pay the bills? [more inside]
Each year, my employer funds my HSA; my current balance is significantly higher than my yearly out of pocket limit, and so I would like to put a portion of it into mutual funds. The institution where my funds are, ubt.com, has HSA mutual funds but they require that I sign a certain waiver. [more inside]
Specifically, how can I be sure that my medication purchases at the grocery store are properly tallied as 'qualified expenses?' More generally, how does the IRS keep track of your purchases using funds from an HSA? What's to stop someone from using their HSA to pay for non-medical expenses? [more inside]
Looking for some feedback on what combination of U.S health insurance combined with an HSA you use. We're looking to reduce costs. [more inside]
I'm in Washington State with a Premera Blue Cross HSA HDHP. I'm maybe, finally, in a position to start funding an actual health savings account, not just pay my household's premiums (~$400/mo for two people) and treat my insurance as a lame catastrophic plan. I'm having trouble finding a good account provider, though, and would like some recommendations. [more inside]
What's the worst that will happen to me if I use my HSA card for a non-medical bill? Or a few. [more inside]
My new employer is adding what looks like a pre-tax contribution of an extra 1k to my paychecks monthly to pay for health insurance and the remainder is meant to be put in to an HSA. My wife's insurance plan only costs us $210/mo and the HSA contribution limit for a family is $6550/yr what is going to happen to the remainder of the money? [more inside]
Why do companies promote HSA as superior to PPO, is there some benefit to them? Barring any extreme medical circumstances, when does HSA make sense over PPO? [more inside]
I am totally paralyzed with indecision about the health insurance options I have at work this coming year. Halp! High deductible plan with an HSA vs tried-and-true HMO. [more inside]
Can I really use my now empty Health Savings Account plan to pre-tax reimburse myself for expenses in the past, if I contribute to it today? [more inside]
I am thinking of retiring early, relatively soon. Probably within five years, maybe much sooner. I want to make sure that I correctly understand various things, so I have several questions related to taxation, Obamacare, health savings accounts, IRAs, and SEPP. [more inside]
Purchasing meds without insurance coverage, what could be the implications? [more inside]
Had a medical procedure that cost $3100. Paid for it in full with money in my HSA. Provider will now bill insurance for me and according to benefits schedule I will get a check back for $1000 from insurance company. I would have been perfectly happy to have only paid out $2100 and have left the $1000 to accrue tax-deferred. But the provider insisted on payment in full at time of service. Can I put this money back in the HSA? I see that there is an entity called a "Mistaken Distribution" for instances when you use your HSA debit card by accident. The language surrounding this "mistaken distribution" warns of potential tax consequences. But in my instance I did not make a mistake. I already contribute maximally to the account so I can't go over. What should I do?
I don't have employer-provided insurance and purchase it directly. Is it possible to increase coverage to deal with a new health issue? [more inside]
Health Savings Account filter: Should I reimburse myself before year-end? [more inside]
How much should I put in our HSA per year? [more inside]
I'm straightening out my taxes for 2010 and 2011, and I had a couple of questions about HSAs that I hoped you guys would be able to help me answer. (I know you're not my lawyer). [more inside]
What's the best way to sell my company on getting better health insurance? [more inside]
Are there any credit unions that offer Health Saving Accounts (HSA's) to people who live in Seattle? It doesn't look like it's offered by any of the big ones (BECU, Watermark, Verity, Seattle Metropolitan). I'm not happy with HSABank's lack of online bill pay and want to support CU's in any case.
Is it discriminatory for an employer to vary HSA contributions based on an employee's health? [more inside]
Health Savings Account -- How do I figure the tax savings on an HSA that deducts $300 a month from my pay; yearly total = $3600? The representative selling this plan says the tax savings will be about 30%. That's fantastic if true, but it seems high. What do you think?
Best direct to consumer HSA? [more inside]
What is the most effective way to use ~$250 of HSA money while it's available? [more inside]
Help me figure out how to deal with next year's health care for me and my family of three. [more inside]
Is the out-of-pocket cost for a new dental crown an acceptable expense for an HSA, if I already have dental insurance? If it is "denied" as an acceptable expense, what happens? [more inside]
Best direct-to-consumer HSA custodian? [more inside]
I live overseas for 10 months a year. I am finding it very difficult to get health insurance. No preexisting conditions, no smoking, not obese, but I am only barely a resident of California, and this seems to be a tripping point. All I want is a basic, high deductible plan for emergencies. I am currently covered in Virginia (from a while back, never told them I moved), but since my residency is California now, they probably won't cover me. What are my options? I just spent 4 hours on applications and was turned down every time. Everything else I see on google looks dodgy.
Had to go to the emergency room (I'm fine) and when I presented my insurance they said my "ER Access Fee" was 0$. So I paid nothing, but what does that cover exactly? [more inside]
What is your experience with your Health Savings Account? [more inside]
Health Savings Accounts (HSA's) ... Can they be used as just another tax-free retirement account after you max out your Roth IRA? [more inside]
Health Savings Accounts: If I pay X out of pocket for medical expenses, can I take X out of my HSA later that year and pay myself back?