HSA funds and what to do with them My employer has terminated HSA starting September 1st as they have moved to a Nonstop health insurance program. I have about 7k in my HSA with Health Equity. I’ve heard that they are not the best HSA management company. What will be my options for the funds? Should I keep them in Health Equity investments, move them to my 403b, move them to my …

Question on Optum HSA rollover to Fidelity HSA So i’ve read enough to know that overall Fidelity is a better place to park HSA funds for investing, specifically. A few notes and questions for you all who have done this/experience I live in CA — currently have about 4k in an OPTUM HSA through work (none of it invested yet–so looking to do this now). I understand the lack of state tax bene…

What happens to HSA when leaving job? Edit: apparently I am taking about an FSA, not an HSA. I’ve seen some information about the ability to roll over an HSA, or just keep using it after you leave a job. But what happens if I’ve used more money than I’ve contributed at the time that I leave my job? Not sure if they all work this way but I can spend the entire amount on day 1 of the …

Got a new HSA that’s at HSAbank, can i put my own contributions in my old fidelity HSA? I have an old HSA at Fidelity. My new job just created a new HSA at HSABank and I have to keep that open because they will contribute monthly to that. I’m intending to use it as an investment vehicle. I was thinking I would contribute the rest, to the max directly into the Fidelity one just by transferring from my checking. That’s cool right? …

To HSA or not to HSA 27F, I am self employed and pay myself $4,000/month. I contribute $800 per month to my emergency fund in a HYSA (which is at $5,000ish) and $583 per month to my Roth IRA. With saving 35% of my income, there isn’t much leftover after other monthly expenses. This year, I lost eligibility for Medicaid (yay for business doing well in its first year…

Which Provider for HSA Rollover? I’d like to consolidate my HSA from an old employer. I do not like the digital experience of it, and I’m also being charged monthly fees. Should I rollover into my current employer’s HSA provider or to my Fidelity where I manage all my other investment and retirement accounts? submitted by /u/Snaisa6

Can someone explain HSA’s to me? New investor here. I’m 26 in good health and currently investing 15% of my income in my 401k and consistently investing every month to max out my Roth IRA. I was thinking about investing in a brokerage account, but I’ve just heard about this account called a HSA. After some research, I learned that I contribute to this account using pre-tax inco…

HSA vs Traditional Health Coverage Hey all, just got offered benefits at my job for the first time in my adult life and I’m a little lost with where to go. I’m almost 29, more or less healthy. It’s been over 5 years since I had any sort of physical and although I feel basically fine I know if I went to a doctor right now and said “tell me what’s wrong so I can go fix it” I’d prob…

HSA vs. LTC insurance I max out my HSA every year (currently at $73,000). I plan to continue contributing to it until my retirement at 65 (I’m currently 52). Realistically, it could be $400,000-$500,000 by the time I retire. I am considering LTC insurance, but am leaning towards declining due to the HSA coupled with a relatively high net worth. In short, I’m not wor…

How do I decide who to open a Roth IRA and HSA with? There are so many apps and companies that offer it. Idk what to look for. Does it matter? submitted by /u/sh_b_

HSA 1 Time Large Payroll Contribution? I recently discovered the power of HSAs. I have started putting $100 from my paychecks to my HSA account. I have ~$3k in unpaid claims (with all attached documentation) tracked in my account. The services were paid out of pocket and dates of service were all within the time the account has been open. Would I be able to do a one time payroll ad…

What to do after maxing out 401k, Roth IRA and HSA? Hi all, I am currently maxing out my 401k (and employer match), Roth IRA and HSA every year. After all three of those are maxed out, I have also been investing in my brokerage account (mostly a broad Vanguard 3-fund domestic, international and bond account), and occasionally individual stocks, T-bills and bonds, though I mostly stick to index fu…

HSA question about taxes Can I contribute to an HSA and withdraw for qualified expenses same year this avoid having to pay income tax on the spent funds? I’m 31yrs old if that matters. Also, last year I had 50k in medical bills. Can I contribute this year to avoid paying income tax and the withdraw the money and say it was towards last year’s expenses? submitted by …

What to do with HSA after moving abroad? Hi all, US citizen here, 26f. I moved to Europe a few years ago and I still have HSA around 11k. I don’t plan coming back to US to live there anymore, so what can I do with it? Can I somehow withdraw money from it to reinvest it somewhere else? I don’t think I can pay with it for my medical expenses abroad, nor that I will need to because in Eur…

HSA forgotten and found I re-discovered I had an HSA from a previous employer 6 years ago. Since then I’ve been on my wife’s PPO without ever really thinking about it. I transferred it to Fidelity and plan to stash it in SPY for the next 20+ years. 1) Am I able to contribute to the HSA? 2) Should my wife keep the PPO for herself and the kids since they have high healt…

HMO vs PPO w/ HSA, please help! I will be starting a new job soon and have to choose between two insurance options. I know in general HSA is better long-term but given how high the premium is I’m not sure if it will be worth it. I am Worth of prescriptions a month. However, I only go to the doctor one or two times a year. in my late 20s and have about $40worth of prescriptions…

Never had an HSA before. Stick with PPO? I’ve recently started a new job where my health insurance options are either a PPO at $250 per month, or an HSA at $180 per month (which would mean I could put the extra $70 towards the HSA, right?). But as I’m looking through the plans, I’m not entirely convinced the HSA is a great deal. About me, I’m a 36M single father of a 9y/o girl. We are …

W2 to Self Employed HSA contributions? I recently changed from a W2 employee to self employed and am maintaining my HDHP coverage via cobra. I have not maxed out my 2024 HSS contributions and would like to do so. I plan to roll my existing HSA (through prior employer) to Fidelity. Can I make new HSA contributions to that Fidelity HSA, or do I need to open a new HSA altogether to sepa…

I have an HSA for myself, and the wife with her PPO I have my HSA just for myself alone because my wife has her insurance (free). Is it smart to change my HSA to family to increase the contribution limit? How about me being added to her insurance for a small premium? Basically making us a dependent on each other’s health insurance? What will be the implications when we use our insurance? subm…

What to do with old HSA + HSA Brokerage? Live in CO. I have money sitting in a previous company’s HSA account (Wex) that I need to roll over to my current HSA. This seems like a straightforward process, however I have a HSA brokerage account (Schwab) tied to the Wex account. In order to close the old account, I’ll have to first liquidate all of my holdings in said HSA brokerage account…