You should keep receipts and documentation for as long as your HSA is open, plus at least three additional years after the funds are spent or reimbursed—just in case of an IRS audit.
There’s no requirement to submit receipts when using your HSA, but you’ll need to prove:
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The expense was qualified
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The purchase was made after your HSA was established
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You didn’t get reimbursed from any other source
🧾 Good Recordkeeping Options:
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Save digital copies in cloud storage or with your HSA provider (many have receipt upload tools)
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Keep a folder with printed receipts and a tracking spreadsheet
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Note the date, amount, provider, and what service/item was purchased
🧠Tip:
If you plan to delay reimbursement for tax-free growth, you’ll need to hold onto receipts for years—so organize them with that in mind.