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Frequently Asked Questions

Who is eligible to open an HSA?
What is a "high-deductible health plan"?
What other kinds of health coverage can I have and still be eligible to open an HSA?
May a husband and wife have a joint HSA?
Who can contribute to my HSA?
Do I need earned income in order to contribute to an HSA?
Are there limits to how much I can contribute to my HSA?
Is there a deadline for contributions made to an HSA?
What happens when I exceed the yearly maximum amount of HSA contributions?
What are the "IRS-qualified medical expenses" that I can pay for with my tax-free HSA funds?
Are health insurance premiums considered IRS-qualified medical expenses?
Can I use my tax-free HSA savings to pay for — or reimburse myself for — IRS-qualified medical expenses from a previous year?
Who is responsible for making sure HSA funds are only used to pay for IRS-qualified medical expenses?
Can my HSA funds ever be taxed?
What types of investments can I use HSA funds for?
Can I rollover or transfer money to my HSA from a previous medical or health savings account?