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Health Insurance FAQs

Can I transfer or roll over money from another HSA?

March 27, 2025March 28, 2025

Yes. If you have another HSA—either from a previous job, a different provider, or an old account—you can transfer or roll over the funds into your current HSA.

There are two ways to move HSA funds:


🔁 Trustee-to-Trustee Transfer:

  • Funds are sent directly from one HSA provider to another

  • Not reported to the IRS and not subject to limits

  • Can be done as often as you like


🔄 60-Day Rollover:

  • You withdraw the funds yourself and deposit them into another HSA within 60 days

  • You can only do this once every 12 months

  • If you miss the deadline, the funds become taxable and may trigger a 20% penalty


📦 What About MSAs?

If you still have an old Archer Medical Savings Account (MSA), you can roll it into an HSA—but you can’t go the other way (HSA → MSA).


🧠 Tip:

Trustee-to-trustee transfers are easier and less risky since the money never passes through your hands.

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