FAQs

If your domestic partner meets the IRS qualifications of a tax dependent, you can legally use your HSA funds for their medical expenses.

Yes, as long as both people are covered by an HDHP and not enrolled in an ineligible plan (non-HDHP medical plan, Medicare or a general-purpose FSA). However, the combined contributions to both HSAs can’t be more than the annual family limit.

Yes. As long as you’re not enrolled in Medicare yourself and are still enrolled in a qualified HDHP, you can contribute to your HSA.

Yes, as long as you are covered by a qualified HDHP and are not enrolled in Medicare. You can be eligible for Medicare and still contribute to an HSA as long as you are covered by an HDHP and not enrolled in Medicare.

To be eligible for an HSA, you must: Be covered under a high-deductible health plan (HDHP). Not be covered under an ineligible plan like a non-HDHP, Medicare or a healthcare flexible spending account (FSA), even under your spouse’s plan. Not be claimed as a dependent on someone else’s tax return.

Yes. You can make a once-in-a-lifetime rollover from your IRA into your HSA. You can’t, however, roll money into your IRA from your HSA. Note that an IRA rollover will count toward your annual contribution amounts.

Yes. There’s no minimum required to start investing, though certain funds may require a minimum amount. Sign in to your Fidelity HSA account at www.netbenefits.com to select your investment elections. You can also talk to a Fidelity representative who can review your investment options, including stocks, bonds, treasury notes, short term investments and mutual funds. [...]

Yes. Best of all, the interest you earn on your HSA balance is tax-free!

In 2025, the annual maximum contribution set by the IRS for an individual account is $4,300 and the maximum contribution for family coverage is $8,550. People over the age of 55 can make an additional ‘catch-up’ contribution of $1,000 each year. These limits are the same regardless of the source of the contribution.

You do. The money is always yours to keep and never expires, even if you leave the company or retire. If you enroll in Medicare or work for another employer that doesn’t have a qualified HDHP, you can still use your HSA money to pay for qualified medical expenses, but won’t be able to contribute [...]