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:
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Funds are sent directly from one HSA provider to another
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Not reported to the IRS and not subject to limits
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Can be done as often as you like
🔄 60-Day Rollover:
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You withdraw the funds yourself and deposit them into another HSA within 60 days
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You can only do this once every 12 months
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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.