HSA Guides

Plain-English guides to the rules that govern your HSA — every claim cited to the IRS source.

• HSA Rules 2026: The Complete Guide
  Everything that governs your HSA in 2026 — contribution limits, HDHP requirements, the triple tax advantage, qualified expenses, and the rules people miss.
• The HSA Shoebox Strategy: Reimburse Yourself Years Later, Tax-Free
  IRS Notice 2004-50 Q&A 39 puts no deadline on HSA reimbursements. Pay out of pocket, keep the receipt, let your HSA grow — and withdraw tax-free whenever you choose.
• What the OBBB Changed for HSAs in 2026 (DPC, Telehealth & What Didn't Make It)
  Direct Primary Care memberships became HSA-eligible with a hard monthly cap, telehealth's pre-deductible safe harbor became permanent — and the gym provision died. What actually changed in 2026.
• Letters of Medical Necessity (LMN): When You Need One and How They Work
  Dual-use products — wearables, supplements, gym memberships — can become HSA-eligible with a Letter of Medical Necessity. What an LMN is, what it must say, and how to keep it audit-proof.
• 7 HSA Mistakes That Cost Real Money
  The 20% penalty, the 6% excise trap, the Medicare surprise, and the receipts people lose — the most expensive HSA mistakes and how to avoid each one.