HSA guides

If you pay medical bills out of pocket and plan to reimburse yourself from your HSA later, these guides cover the rule, the records, and the steps. Each one links to the IRS pages it is based on. They are general information, not tax advice.

• The HSA shoebox rule, explained

  How the HSA shoebox strategy works: which expenses qualify, why there is no federal deadline to reimburse yourself, what records to keep, and the risks.

• How to pay yourself back from your HSA later

  Step by step: save the receipt and proof of payment, log the expense, reimburse yourself through your HSA custodian, and report it on Form 8889.

• HSA shoebox calculator

  See what unreimbursed expenses could grow to if the money stays invested, and check your HSA spreadsheet. No signup, and your file stays in your browser.