Home > Resources
Resources
Clear, IRS-aligned guidance on Health Savings Accounts, eligibility rules, and real-world usage. Start with the fundamentals, then explore applied guides, compliance topics, and interactive tools.
HSA fundamentals
Start here if you are learning how HSAs work and what makes someone eligible.
- What is an HSA?
- Who is eligible for an HSA?
- What is a high-deductible health plan (HDHP)?
- Which ACA Marketplace plans qualify for an HSA?
- HSA vs FSA vs HRA: What's the difference?
- HSA contribution limits
- What makes an expense HSA eligible?
Eligibility guides and real-world use cases
Common scenarios and categories people search for when they are trying to use an HSA correctly.
- Common expenses that aren't HSA eligible
- What chronic pain expenses are HSA eligible?
- What pregnancy and baby expenses are HSA eligible?
Compliance and advanced topics
Documentation, edge cases, and what to do when something goes wrong.
- What is a letter of medical necessity?
- Can you have an HSA without a job?
- Can you use an HSA for someone else?
- What happens if you use your HSA incorrectly?
- HSA audit risk and documentation guide
- Advanced HSA scenarios & FAQs
Tools and calculators
Interactive tools for common HSA questions.
As seen in
HSA Eligibility Guides
The "No" List: Common Ineligible Expenses
Are you accidentally using your HSA for items the IRS doesn't cover? Avoid penalties with our 2026 guide to commonly confused expenses like mattresses and hygiene products.
Apple Watches
Apple Watches get more HSA questions than almost any other item. Learn the specific rules for using your HSA and when you might need a Letter of Medical Necessity.
Oura Rings
Oura Rings are a popular fitness tracker, but their HSA eligibility is tricky. We break down the medical requirements for reimbursement.
HSA Essentials
- 📖 Who is eligible for an HSA?
- 💵 2026 contribution limits
- 🆚 HSA vs FSA vs HRA: What's the difference?
- 📜 Guide to Letters of Medical Necessity
Financial Planning
HSA Investment Calculator
Compare how an investment grows in an HSA vs traditional retirement accounts like a 401(k) and Roth IRA to maximize your long-term savings.
HSA Early Withdrawal Penalty Calculator
Using HSA funds for non-medical expenses before age 65 triggers a steep 20% IRS penalty plus income tax. Use this tool to calculate the true cost of an early withdrawal before you tap into your savings.