What if I don’t have enough money in my HSA when I need to make a payment?

HSAs act just like a regular checking account in that you can only spend what has been deposited to date. Just like your personal checking account, checks can bounce and debit cards will reject if there isn’t enough money in your account.

You should always watch your health savings account balance via on-line access and/or your statements from the HSA custodian.

If you need to pay for an expense before there is enough money in your HSA, you can pay for the eligible expense out of your pocket, save your receipt and pay yourself back later from your HSA.