Yes, you can use HSA funds to reimburse yourself for qualified medical expenses from a previous year—as long as the expense was incurred after your HSA was established and you kept proper documentation.
🕒 No Time Limit on Reimbursement
There’s no deadline for when you must reimburse yourself, as long as:
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The expense was qualified and unreimbursed
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It occurred after the HSA was opened
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You kept receipts or proof of the expense
Example: You paid $300 out of pocket for a doctor visit last year, saved the receipt, and now want to reimburse yourself from your HSA—that’s perfectly allowed.
🧠Why This Matters:
Some people let their HSA grow tax-free and save receipts to reimburse themselves years later—almost like a backup savings account for qualified expenses.