Can You Pay Medical Bills with HSA and Start Saving Today

With a Health Savings Account (HSA), you can pay medical bills and start saving for the future. HSA funds are tax-free, which means you won't have to worry about dipping into your savings to cover medical expenses.

HSAs are designed to help you save for medical expenses, and you can use the funds to pay for a wide range of qualified medical bills, including doctor visits, prescriptions, and even some over-the-counter medications.

You can spend from your HSA to pay for qualified medical expenses that aren't covered by your health care plan. This can be done tax-free, which is a huge advantage.

You can pay for qualified medical expenses anytime with a swipe of your Fidelity HSA debit card. This is a convenient option that makes it easy to manage your expenses.

To reimburse yourself for expenses, you can use the Fidelity HSA website. This is a great option if you've already paid for medical expenses out of pocket and want to get the money back.

Here are the ways you can spend from your HSA:

You can pay for qualified medical expenses with your HSA, and there are multiple ways to do so.

Spend now with your Fidelity HSA debit card, which allows you to pay for qualified medical expenses anytime with a swipe of your card.

Reimburse yourself for expenses you've already paid out of pocket, which can be a great way to get money back for medical expenses.

Healthcare providers may have leeway and might be willing to accept less than the amount they billed you, so try negotiating a reduced amount directly with your provider.

Here are some options for using your HSA:

If you're struggling to pay medical bills, there is hope. Many hospitals and clinics have financial assistance programs that can help. These programs are not always advertised, but they do exist.

Some states require hospitals to screen eligible patients for financial assistance. This takes the burden off patients to do the research. Programs vary by hospital and state, but patients earning up to two times the federal poverty level may be eligible.

For a family of four in most of the U.S., that's a household income of $31,200 in 2024. If you're earning at or below this level, you may be eligible for financial assistance.

You can pay for qualified medical expenses using your Fidelity HSA debit card, which debits directly out of your HSA balance when you swipe it at a participating healthcare provider.

Your Fidelity HSA debit card is a convenient option for on-the-spot payments, and you can also write a check to pay your healthcare provider if you prefer.

You can pay for qualified medical expenses out-of-pocket and reimburse yourself using your HSA money, which will be tax-free as long as you opened your HSA before the expense was incurred.