Question 1

May I roll money from my IRA or Roth IRA to my HSA?

admin · Accepted Answer

Yes. The rules allow for a one-time tax-free trustee to trustee transfer of IRA funds into an HSA, provided:

The amount contributed to the HSA is subject to the maximum annual contribution limits. Amounts transferred from the IRA plus any additional employer or employee contributions will be applied against the maximum annual contribution limit.
The individual must be covered by an HDHP and remain an eligible individual for 12 months after the transfer. If not, the funds transferred will be treated as taxable income and subject to a 10% excise tax.

Question 2

May I roll money from my IRA or Roth IRA to my HSA?

admin · Accepted Answer

Yes. The rules allow for a one-time tax-free trustee to trustee transfer of IRA funds into an HSA, provided:

The amount contributed to the HSA is subject to the maximum annual contribution limits. Amounts transferred from the IRA plus any additional employer or employee contributions will be applied against the maximum annual contribution limit.
The individual must be covered by an HDHP and remain an eligible individual for 12 months after the transfer. If not, the funds transferred will be treated as taxable income and subject to a 10% excise tax.