Using Your HSA

Throughout the year, you can use the before-tax money in your HSA to pay for eligible expenses as you incur them. For example, you can use your HSA money to pay for eligible out-of-pocket medical expenses, such as doctor’s office visits or the cost of prescriptions. Just like when your HSA dollars went into your account tax-free, they are also not taxed when they come out of your account.

You can’t take a loan from your HSA like you can with your 401(k). If you use the money in your account to pay for non-medical expenses, those funds will be subject to income tax and may also be subject to a penalty tax. (Medical expenses include eligible dental, vision and orthodontic expenses.)

HSA Debit Card

PayFlex, our HSA administrator, makes it easy to pay for expenses from your account by providing you with a debit card, auto-pay claim capabilities and online access to manage your account.  Log on to or Aetna for more information or to enroll in auto-pay.

Changing Your Contributions

You can change your contribution election to your HSA at any time during the year. For example, suppose you need a costly surgery and will need to satisfy your deductible. You can elect to increase your HSA contribution, if needed, to pay for your eligible expenses.

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