What happens to my HSA when I enroll in a new plan?

Who is this for?


If you have an existing HSA and are enrolling in a new health care plan, this information can help you figure out your next steps.

How you’ll be able to use your HSA in the future depends on the new plan you choose.

If you enroll in an HSA-compatible plan that uses the same HSA bank, the transition should be seamless. You can keep putting money in your account, keep using it for health care expenses, and use the same debit card.

If you enroll in an HSA-compatible plan with a different HSA bank, you may need to transfer your funds to the new bank.

Not all plans are compatible with an HSA. If you choose one that isn't, you still get to keep your HSA, although you can't put money in it anymore. You can still use it for health care expenses until the money is gone, or let it earn interest.

If you wait more than 30 days to enroll in a new HSA-compatible plan after your old plan has ended, your HSA may need to be reactivated. If this happens, you might not be able to use it for a while. 

And if you ever need to switch from a plan you bought directly from us to one of our plans from healthcare.gov, don’t worry about your HSA. As long as your new plan is HSA-compatible, your account should stay the same.