Spending with your HSA

With an HSA, paying for qualified medical expenses is always free from federal income taxes.

Spend now with your Fidelity HSA^® debit card

Pay for qualified medical expenses anytime with a swipe of your card.

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Pay your bills with Fidelity Bill Pay

Receive and pay bills for qualified medical expenses.

Go to Bill Pay

Reimburse yourself for expenses

Get money back for medical expenses that you paid out of pocket.

Reimburse yourselfLog In Required

What's considered a qualified medical expense?

Medical

Office visits
Diagnostic testing
Surgical procedures
Over-the-counter medications
Prescriptions

Dental

Fillings
Cleanings
Braces
Artificial teeth

Vision

Exams
Glasses
Contact lenses
Corrective surgery

Other

Counseling
Cessation programs
COVID-19 tests
Face masks
Hand sanitizer and sanitizing wipes

For more information and a complete list of qualified medical expenses, see IRS Publication 502.

At age 65, you can spend your HSA dollars on anything, not just medical expenses, and you won't incur the 20%

penalty. The withdrawal will just count toward your gross annual income.

Managing unexpected healthcare costs

Open an HSA

How to plan for rising health care costs

Frequently asked questions

What if I need $1,000 tomorrow for a qualified medical expense?

If you don’t have enough set aside in your core position in your HSA, you can pay for your qualified medical expense out-of-pocket now and reimburse yourself later, once you have enough money in your HSA. If you’re investing your HSA money, you can sell some of your investments any time, and that money will be available to use when the trade settles, usually within a few business days.
When can I withdraw my HSA money without penalty?

You can withdraw your HSA money penalty-free any time before or during retirement to pay for qualified medical expenses. If you use it for any other expense before retirement, your withdrawal will be subject to taxes and may be subject to penalty. If you use your HSA money for any other expense after age 65, you'll just have to pay the taxes, and you won't be penalized. Please see IRS Publication 502 for a complete and up-to-date list of qualified medical expenses.
Can I use my HSA money to reimburse myself for qualified medical expenses from last year or before?

Yes. As long as you incurred your qualified medical expense after you established your HSA, you can reimburse yourself for those expenses using your HSA money any time.
How do I prove that I spent my money on a qualified medical expense?

Keep all your receipts for your out-of-pocket qualified medical expenses as well as documentation for your claims and your explanations of benefits (EOBs).
What happens if I spend my HSA money on something other than a qualified medical expense?

If you use your HSA money on something other than qualified medical expenses before retirement, your withdrawal will be subject to taxes, and it may be subject to a 20% penalty. If you use it for something other than qualified medical expenses after age 65, your withdrawal will be subject to taxes but not penalized.