HSA withdrawals for past years?












2















A hypothetical individual living in the US opened an HSA account in 2016. She was enrolled in a high deductible health care plan in 2016, 2017, and 2019.



She kept records of all her qualified medical bills totaling to $4000 from 2016 and 2017 but she did not need to tap into her HSA to pay for health care services.



Can she withdraw $4000 in 2019 from her HSA without penalties?










share|improve this question





























    2















    A hypothetical individual living in the US opened an HSA account in 2016. She was enrolled in a high deductible health care plan in 2016, 2017, and 2019.



    She kept records of all her qualified medical bills totaling to $4000 from 2016 and 2017 but she did not need to tap into her HSA to pay for health care services.



    Can she withdraw $4000 in 2019 from her HSA without penalties?










    share|improve this question



























      2












      2








      2


      1






      A hypothetical individual living in the US opened an HSA account in 2016. She was enrolled in a high deductible health care plan in 2016, 2017, and 2019.



      She kept records of all her qualified medical bills totaling to $4000 from 2016 and 2017 but she did not need to tap into her HSA to pay for health care services.



      Can she withdraw $4000 in 2019 from her HSA without penalties?










      share|improve this question
















      A hypothetical individual living in the US opened an HSA account in 2016. She was enrolled in a high deductible health care plan in 2016, 2017, and 2019.



      She kept records of all her qualified medical bills totaling to $4000 from 2016 and 2017 but she did not need to tap into her HSA to pay for health care services.



      Can she withdraw $4000 in 2019 from her HSA without penalties?







      united-states hsa healthcare withdrawal






      share|improve this question















      share|improve this question













      share|improve this question




      share|improve this question








      edited Jan 14 at 22:14









      Chris W. Rea

      26.5k1586174




      26.5k1586174










      asked Jan 14 at 17:29









      AstroSharpAstroSharp

      259312




      259312






















          2 Answers
          2






          active

          oldest

          votes


















          4














          Yes.



          From HSABank:




          Can I use my tax-free HSA savings to pay for — or reimburse myself for — IRS-qualified medical expenses from a previous year?



          Yes, as long as the IRS-qualified medical expenses were incurred after your HSA was established, you can pay them or reimburse yourself with HSA funds at any time. Just be sure to keep sufficient records to show that these expenses were not previously paid for by another source or taken as an itemized deduction in any prior tax year.




          IRS Pup 969 confirms this, but not as succinctly:




          For HSA purposes, expenses incurred before you establish your HSA aren’t qualified medical expenses. State law determines when an HSA is established. An HSA that is funded by amounts rolled over from an Archer MSA or another HSA is established on the date the prior account was established.







          share|improve this answer



















          • 1





            @D Stanely: "Just be sure to keep sufficient records to show that these expenses were not previously paid". How do you keep records proofing that something DIDN'T happen? You can record and event or transaction but how do you document a non-action ?

            – Hilmar
            Jan 14 at 18:40






          • 2





            @Hilmar That's a good question, and luckily I've never been through an audit to know. Maybe receipts showing that you paid the expense is sufficient?

            – D Stanley
            Jan 14 at 19:25











          • @Hilmar I'd expect tax returns from all years between the expense and filing for reimbursement would suffice. No idea whether there's an easier way.

            – Kevin
            Jan 14 at 22:09



















          4














          The accepted answer is great, I just wanted to point out that this feature is why some people make maxing out HSA contributions a higher priority than IRA's. With an HSA you can get pre-tax contributions, tax-free growth, and tax-free disbursement if used on qualified medical expenses. The longer you wait to get reimbursed for qualified expenses the more tax-free growth you can get.



          Even if you don't want to sit on receipts for years, contributing to an HSA and not using it immediately is still useful in retirement. Once you hit 65 you can use the HSA to pay for Medicare parts A, B, D and Medicare HMO premiums. Also at 65 you can take penalty-free distributions for any reason, but you would pay income tax on those distributions (like a traditional IRA). Over-funding an HSA isn't much of a concern.



          These rules could change in the future, but currently the HSA offers fantastic tax advantages. One important caveat, is that not all HSA's have good investment options, so evaluate your plans investment options before making HSA a priority.






          share|improve this answer





















          • 1





            * Except CA and NJ w.r.t. state taxes, and some potential dividend and interest issues in NH and TN. src. Still definitely worth it just for the federal deduction though.

            – Kevin
            Jan 14 at 23:07













          • that's what I could never understand actually. I understand the triple tax advantage but if I max out my HSA every year, by the time I retire I will have a huge HSA that I could not possibly spend since I don't have qualified medical expenses requiring this amount of cash. Wouldn't it be wiser to direct savings into IRA so I can actually withdraw funds at retirement and use it for travel for example...

            – AstroSharp
            Jan 15 at 14:32






          • 1





            @AstroSharp I updated to expand on that, but basically at 65 the penalty goes away, so at worst it's like a traditional IRA and at best you have the triple tax advantage on health expenses which will likely be higher in retirement.

            – Hart CO
            Jan 15 at 14:59













          • Over-funding an HSA isn't much of a concern. Is there a way around the 6% excise tax?

            – topshot
            Jan 16 at 20:11






          • 1





            @topshot Not that I know of, but I wasn't meaning exceeding the annual contribution limit, I was addressing the concern AstroSharp posed of having too much in the HSA after years of contributing. Over-funded in this case meaning more in the HSA than one needs for medical expenses in retirement.

            – Hart CO
            Jan 16 at 20:19













          Your Answer








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          2 Answers
          2






          active

          oldest

          votes








          2 Answers
          2






          active

          oldest

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          active

          oldest

          votes






          active

          oldest

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          4














          Yes.



          From HSABank:




          Can I use my tax-free HSA savings to pay for — or reimburse myself for — IRS-qualified medical expenses from a previous year?



          Yes, as long as the IRS-qualified medical expenses were incurred after your HSA was established, you can pay them or reimburse yourself with HSA funds at any time. Just be sure to keep sufficient records to show that these expenses were not previously paid for by another source or taken as an itemized deduction in any prior tax year.




          IRS Pup 969 confirms this, but not as succinctly:




          For HSA purposes, expenses incurred before you establish your HSA aren’t qualified medical expenses. State law determines when an HSA is established. An HSA that is funded by amounts rolled over from an Archer MSA or another HSA is established on the date the prior account was established.







          share|improve this answer



















          • 1





            @D Stanely: "Just be sure to keep sufficient records to show that these expenses were not previously paid". How do you keep records proofing that something DIDN'T happen? You can record and event or transaction but how do you document a non-action ?

            – Hilmar
            Jan 14 at 18:40






          • 2





            @Hilmar That's a good question, and luckily I've never been through an audit to know. Maybe receipts showing that you paid the expense is sufficient?

            – D Stanley
            Jan 14 at 19:25











          • @Hilmar I'd expect tax returns from all years between the expense and filing for reimbursement would suffice. No idea whether there's an easier way.

            – Kevin
            Jan 14 at 22:09
















          4














          Yes.



          From HSABank:




          Can I use my tax-free HSA savings to pay for — or reimburse myself for — IRS-qualified medical expenses from a previous year?



          Yes, as long as the IRS-qualified medical expenses were incurred after your HSA was established, you can pay them or reimburse yourself with HSA funds at any time. Just be sure to keep sufficient records to show that these expenses were not previously paid for by another source or taken as an itemized deduction in any prior tax year.




          IRS Pup 969 confirms this, but not as succinctly:




          For HSA purposes, expenses incurred before you establish your HSA aren’t qualified medical expenses. State law determines when an HSA is established. An HSA that is funded by amounts rolled over from an Archer MSA or another HSA is established on the date the prior account was established.







          share|improve this answer



















          • 1





            @D Stanely: "Just be sure to keep sufficient records to show that these expenses were not previously paid". How do you keep records proofing that something DIDN'T happen? You can record and event or transaction but how do you document a non-action ?

            – Hilmar
            Jan 14 at 18:40






          • 2





            @Hilmar That's a good question, and luckily I've never been through an audit to know. Maybe receipts showing that you paid the expense is sufficient?

            – D Stanley
            Jan 14 at 19:25











          • @Hilmar I'd expect tax returns from all years between the expense and filing for reimbursement would suffice. No idea whether there's an easier way.

            – Kevin
            Jan 14 at 22:09














          4












          4








          4







          Yes.



          From HSABank:




          Can I use my tax-free HSA savings to pay for — or reimburse myself for — IRS-qualified medical expenses from a previous year?



          Yes, as long as the IRS-qualified medical expenses were incurred after your HSA was established, you can pay them or reimburse yourself with HSA funds at any time. Just be sure to keep sufficient records to show that these expenses were not previously paid for by another source or taken as an itemized deduction in any prior tax year.




          IRS Pup 969 confirms this, but not as succinctly:




          For HSA purposes, expenses incurred before you establish your HSA aren’t qualified medical expenses. State law determines when an HSA is established. An HSA that is funded by amounts rolled over from an Archer MSA or another HSA is established on the date the prior account was established.







          share|improve this answer













          Yes.



          From HSABank:




          Can I use my tax-free HSA savings to pay for — or reimburse myself for — IRS-qualified medical expenses from a previous year?



          Yes, as long as the IRS-qualified medical expenses were incurred after your HSA was established, you can pay them or reimburse yourself with HSA funds at any time. Just be sure to keep sufficient records to show that these expenses were not previously paid for by another source or taken as an itemized deduction in any prior tax year.




          IRS Pup 969 confirms this, but not as succinctly:




          For HSA purposes, expenses incurred before you establish your HSA aren’t qualified medical expenses. State law determines when an HSA is established. An HSA that is funded by amounts rolled over from an Archer MSA or another HSA is established on the date the prior account was established.








          share|improve this answer












          share|improve this answer



          share|improve this answer










          answered Jan 14 at 17:42









          D StanleyD Stanley

          52.9k8154163




          52.9k8154163








          • 1





            @D Stanely: "Just be sure to keep sufficient records to show that these expenses were not previously paid". How do you keep records proofing that something DIDN'T happen? You can record and event or transaction but how do you document a non-action ?

            – Hilmar
            Jan 14 at 18:40






          • 2





            @Hilmar That's a good question, and luckily I've never been through an audit to know. Maybe receipts showing that you paid the expense is sufficient?

            – D Stanley
            Jan 14 at 19:25











          • @Hilmar I'd expect tax returns from all years between the expense and filing for reimbursement would suffice. No idea whether there's an easier way.

            – Kevin
            Jan 14 at 22:09














          • 1





            @D Stanely: "Just be sure to keep sufficient records to show that these expenses were not previously paid". How do you keep records proofing that something DIDN'T happen? You can record and event or transaction but how do you document a non-action ?

            – Hilmar
            Jan 14 at 18:40






          • 2





            @Hilmar That's a good question, and luckily I've never been through an audit to know. Maybe receipts showing that you paid the expense is sufficient?

            – D Stanley
            Jan 14 at 19:25











          • @Hilmar I'd expect tax returns from all years between the expense and filing for reimbursement would suffice. No idea whether there's an easier way.

            – Kevin
            Jan 14 at 22:09








          1




          1





          @D Stanely: "Just be sure to keep sufficient records to show that these expenses were not previously paid". How do you keep records proofing that something DIDN'T happen? You can record and event or transaction but how do you document a non-action ?

          – Hilmar
          Jan 14 at 18:40





          @D Stanely: "Just be sure to keep sufficient records to show that these expenses were not previously paid". How do you keep records proofing that something DIDN'T happen? You can record and event or transaction but how do you document a non-action ?

          – Hilmar
          Jan 14 at 18:40




          2




          2





          @Hilmar That's a good question, and luckily I've never been through an audit to know. Maybe receipts showing that you paid the expense is sufficient?

          – D Stanley
          Jan 14 at 19:25





          @Hilmar That's a good question, and luckily I've never been through an audit to know. Maybe receipts showing that you paid the expense is sufficient?

          – D Stanley
          Jan 14 at 19:25













          @Hilmar I'd expect tax returns from all years between the expense and filing for reimbursement would suffice. No idea whether there's an easier way.

          – Kevin
          Jan 14 at 22:09





          @Hilmar I'd expect tax returns from all years between the expense and filing for reimbursement would suffice. No idea whether there's an easier way.

          – Kevin
          Jan 14 at 22:09













          4














          The accepted answer is great, I just wanted to point out that this feature is why some people make maxing out HSA contributions a higher priority than IRA's. With an HSA you can get pre-tax contributions, tax-free growth, and tax-free disbursement if used on qualified medical expenses. The longer you wait to get reimbursed for qualified expenses the more tax-free growth you can get.



          Even if you don't want to sit on receipts for years, contributing to an HSA and not using it immediately is still useful in retirement. Once you hit 65 you can use the HSA to pay for Medicare parts A, B, D and Medicare HMO premiums. Also at 65 you can take penalty-free distributions for any reason, but you would pay income tax on those distributions (like a traditional IRA). Over-funding an HSA isn't much of a concern.



          These rules could change in the future, but currently the HSA offers fantastic tax advantages. One important caveat, is that not all HSA's have good investment options, so evaluate your plans investment options before making HSA a priority.






          share|improve this answer





















          • 1





            * Except CA and NJ w.r.t. state taxes, and some potential dividend and interest issues in NH and TN. src. Still definitely worth it just for the federal deduction though.

            – Kevin
            Jan 14 at 23:07













          • that's what I could never understand actually. I understand the triple tax advantage but if I max out my HSA every year, by the time I retire I will have a huge HSA that I could not possibly spend since I don't have qualified medical expenses requiring this amount of cash. Wouldn't it be wiser to direct savings into IRA so I can actually withdraw funds at retirement and use it for travel for example...

            – AstroSharp
            Jan 15 at 14:32






          • 1





            @AstroSharp I updated to expand on that, but basically at 65 the penalty goes away, so at worst it's like a traditional IRA and at best you have the triple tax advantage on health expenses which will likely be higher in retirement.

            – Hart CO
            Jan 15 at 14:59













          • Over-funding an HSA isn't much of a concern. Is there a way around the 6% excise tax?

            – topshot
            Jan 16 at 20:11






          • 1





            @topshot Not that I know of, but I wasn't meaning exceeding the annual contribution limit, I was addressing the concern AstroSharp posed of having too much in the HSA after years of contributing. Over-funded in this case meaning more in the HSA than one needs for medical expenses in retirement.

            – Hart CO
            Jan 16 at 20:19


















          4














          The accepted answer is great, I just wanted to point out that this feature is why some people make maxing out HSA contributions a higher priority than IRA's. With an HSA you can get pre-tax contributions, tax-free growth, and tax-free disbursement if used on qualified medical expenses. The longer you wait to get reimbursed for qualified expenses the more tax-free growth you can get.



          Even if you don't want to sit on receipts for years, contributing to an HSA and not using it immediately is still useful in retirement. Once you hit 65 you can use the HSA to pay for Medicare parts A, B, D and Medicare HMO premiums. Also at 65 you can take penalty-free distributions for any reason, but you would pay income tax on those distributions (like a traditional IRA). Over-funding an HSA isn't much of a concern.



          These rules could change in the future, but currently the HSA offers fantastic tax advantages. One important caveat, is that not all HSA's have good investment options, so evaluate your plans investment options before making HSA a priority.






          share|improve this answer





















          • 1





            * Except CA and NJ w.r.t. state taxes, and some potential dividend and interest issues in NH and TN. src. Still definitely worth it just for the federal deduction though.

            – Kevin
            Jan 14 at 23:07













          • that's what I could never understand actually. I understand the triple tax advantage but if I max out my HSA every year, by the time I retire I will have a huge HSA that I could not possibly spend since I don't have qualified medical expenses requiring this amount of cash. Wouldn't it be wiser to direct savings into IRA so I can actually withdraw funds at retirement and use it for travel for example...

            – AstroSharp
            Jan 15 at 14:32






          • 1





            @AstroSharp I updated to expand on that, but basically at 65 the penalty goes away, so at worst it's like a traditional IRA and at best you have the triple tax advantage on health expenses which will likely be higher in retirement.

            – Hart CO
            Jan 15 at 14:59













          • Over-funding an HSA isn't much of a concern. Is there a way around the 6% excise tax?

            – topshot
            Jan 16 at 20:11






          • 1





            @topshot Not that I know of, but I wasn't meaning exceeding the annual contribution limit, I was addressing the concern AstroSharp posed of having too much in the HSA after years of contributing. Over-funded in this case meaning more in the HSA than one needs for medical expenses in retirement.

            – Hart CO
            Jan 16 at 20:19
















          4












          4








          4







          The accepted answer is great, I just wanted to point out that this feature is why some people make maxing out HSA contributions a higher priority than IRA's. With an HSA you can get pre-tax contributions, tax-free growth, and tax-free disbursement if used on qualified medical expenses. The longer you wait to get reimbursed for qualified expenses the more tax-free growth you can get.



          Even if you don't want to sit on receipts for years, contributing to an HSA and not using it immediately is still useful in retirement. Once you hit 65 you can use the HSA to pay for Medicare parts A, B, D and Medicare HMO premiums. Also at 65 you can take penalty-free distributions for any reason, but you would pay income tax on those distributions (like a traditional IRA). Over-funding an HSA isn't much of a concern.



          These rules could change in the future, but currently the HSA offers fantastic tax advantages. One important caveat, is that not all HSA's have good investment options, so evaluate your plans investment options before making HSA a priority.






          share|improve this answer















          The accepted answer is great, I just wanted to point out that this feature is why some people make maxing out HSA contributions a higher priority than IRA's. With an HSA you can get pre-tax contributions, tax-free growth, and tax-free disbursement if used on qualified medical expenses. The longer you wait to get reimbursed for qualified expenses the more tax-free growth you can get.



          Even if you don't want to sit on receipts for years, contributing to an HSA and not using it immediately is still useful in retirement. Once you hit 65 you can use the HSA to pay for Medicare parts A, B, D and Medicare HMO premiums. Also at 65 you can take penalty-free distributions for any reason, but you would pay income tax on those distributions (like a traditional IRA). Over-funding an HSA isn't much of a concern.



          These rules could change in the future, but currently the HSA offers fantastic tax advantages. One important caveat, is that not all HSA's have good investment options, so evaluate your plans investment options before making HSA a priority.







          share|improve this answer














          share|improve this answer



          share|improve this answer








          edited Jan 15 at 14:58

























          answered Jan 14 at 21:25









          Hart COHart CO

          27.6k26581




          27.6k26581








          • 1





            * Except CA and NJ w.r.t. state taxes, and some potential dividend and interest issues in NH and TN. src. Still definitely worth it just for the federal deduction though.

            – Kevin
            Jan 14 at 23:07













          • that's what I could never understand actually. I understand the triple tax advantage but if I max out my HSA every year, by the time I retire I will have a huge HSA that I could not possibly spend since I don't have qualified medical expenses requiring this amount of cash. Wouldn't it be wiser to direct savings into IRA so I can actually withdraw funds at retirement and use it for travel for example...

            – AstroSharp
            Jan 15 at 14:32






          • 1





            @AstroSharp I updated to expand on that, but basically at 65 the penalty goes away, so at worst it's like a traditional IRA and at best you have the triple tax advantage on health expenses which will likely be higher in retirement.

            – Hart CO
            Jan 15 at 14:59













          • Over-funding an HSA isn't much of a concern. Is there a way around the 6% excise tax?

            – topshot
            Jan 16 at 20:11






          • 1





            @topshot Not that I know of, but I wasn't meaning exceeding the annual contribution limit, I was addressing the concern AstroSharp posed of having too much in the HSA after years of contributing. Over-funded in this case meaning more in the HSA than one needs for medical expenses in retirement.

            – Hart CO
            Jan 16 at 20:19
















          • 1





            * Except CA and NJ w.r.t. state taxes, and some potential dividend and interest issues in NH and TN. src. Still definitely worth it just for the federal deduction though.

            – Kevin
            Jan 14 at 23:07













          • that's what I could never understand actually. I understand the triple tax advantage but if I max out my HSA every year, by the time I retire I will have a huge HSA that I could not possibly spend since I don't have qualified medical expenses requiring this amount of cash. Wouldn't it be wiser to direct savings into IRA so I can actually withdraw funds at retirement and use it for travel for example...

            – AstroSharp
            Jan 15 at 14:32






          • 1





            @AstroSharp I updated to expand on that, but basically at 65 the penalty goes away, so at worst it's like a traditional IRA and at best you have the triple tax advantage on health expenses which will likely be higher in retirement.

            – Hart CO
            Jan 15 at 14:59













          • Over-funding an HSA isn't much of a concern. Is there a way around the 6% excise tax?

            – topshot
            Jan 16 at 20:11






          • 1





            @topshot Not that I know of, but I wasn't meaning exceeding the annual contribution limit, I was addressing the concern AstroSharp posed of having too much in the HSA after years of contributing. Over-funded in this case meaning more in the HSA than one needs for medical expenses in retirement.

            – Hart CO
            Jan 16 at 20:19










          1




          1





          * Except CA and NJ w.r.t. state taxes, and some potential dividend and interest issues in NH and TN. src. Still definitely worth it just for the federal deduction though.

          – Kevin
          Jan 14 at 23:07







          * Except CA and NJ w.r.t. state taxes, and some potential dividend and interest issues in NH and TN. src. Still definitely worth it just for the federal deduction though.

          – Kevin
          Jan 14 at 23:07















          that's what I could never understand actually. I understand the triple tax advantage but if I max out my HSA every year, by the time I retire I will have a huge HSA that I could not possibly spend since I don't have qualified medical expenses requiring this amount of cash. Wouldn't it be wiser to direct savings into IRA so I can actually withdraw funds at retirement and use it for travel for example...

          – AstroSharp
          Jan 15 at 14:32





          that's what I could never understand actually. I understand the triple tax advantage but if I max out my HSA every year, by the time I retire I will have a huge HSA that I could not possibly spend since I don't have qualified medical expenses requiring this amount of cash. Wouldn't it be wiser to direct savings into IRA so I can actually withdraw funds at retirement and use it for travel for example...

          – AstroSharp
          Jan 15 at 14:32




          1




          1





          @AstroSharp I updated to expand on that, but basically at 65 the penalty goes away, so at worst it's like a traditional IRA and at best you have the triple tax advantage on health expenses which will likely be higher in retirement.

          – Hart CO
          Jan 15 at 14:59







          @AstroSharp I updated to expand on that, but basically at 65 the penalty goes away, so at worst it's like a traditional IRA and at best you have the triple tax advantage on health expenses which will likely be higher in retirement.

          – Hart CO
          Jan 15 at 14:59















          Over-funding an HSA isn't much of a concern. Is there a way around the 6% excise tax?

          – topshot
          Jan 16 at 20:11





          Over-funding an HSA isn't much of a concern. Is there a way around the 6% excise tax?

          – topshot
          Jan 16 at 20:11




          1




          1





          @topshot Not that I know of, but I wasn't meaning exceeding the annual contribution limit, I was addressing the concern AstroSharp posed of having too much in the HSA after years of contributing. Over-funded in this case meaning more in the HSA than one needs for medical expenses in retirement.

          – Hart CO
          Jan 16 at 20:19







          @topshot Not that I know of, but I wasn't meaning exceeding the annual contribution limit, I was addressing the concern AstroSharp posed of having too much in the HSA after years of contributing. Over-funded in this case meaning more in the HSA than one needs for medical expenses in retirement.

          – Hart CO
          Jan 16 at 20:19




















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