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Don’t Use Your HSA for Ineligible Expenses
Be careful not to use your HSA for an expense other than qualified medical expenses. You can subject yourself to IRS penalties. Fortunately, you have until April 15th (tax day) of the following year to put funds back if you make a mistake.
Prior to age 65, if you use your money for non-qualified expenses, the IRS imposes a withdrawal penalty of 20 percent on the amount withdrawn.
To help you, below are some services and expenses that are not qualified:
Baby: bottles, cups, formula, oil & wipes
Child care for a healthy child
Health club membership dues
Imported medications that aren't FDA-approved
Late payment charges and missed appointment fees
Shampoo and conditioner
For a complete list of qualified medical expenses see
IRS Publication 502
If you withdraw money from your HSA to pay for something, only to find out that it is not an HSA-qualified expense, you can replace the money in your account by the tax deadline of the following year without penalty or tax. Here's how to correct it: complete our HSA Mistaken Distribution Repayment Form and return it to us with the repayment funds.
The Mistaken Distribution Repayment Form can be found on our
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