Rollover
Unused HSA funds that carry forward to the next year, unlike FSA balances that typically expire.
What is Rollover?
HSA rollover refers to the fact that unused HSA funds automatically carry forward to the next year - there's no "use it or lose it" deadline. Your entire HSA balance rolls over indefinitely, year after year.
This is one of the biggest advantages HSAs have over FSAs. You can contribute the maximum each year, spend only what you need, and let the rest accumulate and grow through investments. Many people use this feature to build a healthcare nest egg for retirement.
The term "rollover" is also used for moving HSA funds between providers. You can transfer funds from one HSA custodian to another through a trustee-to-trustee transfer (unlimited) or by taking a distribution and recontributing within 60 days (once per 12-month period).
Frequently Asked Questions
Do HSA funds expire?
No. HSA funds roll over indefinitely and never expire. The money is yours forever.
Can I roll over funds from an FSA to an HSA?
Generally no, except for a one-time qualified HSA funding distribution from a limited balance FSA. Regular FSAs can't be rolled into HSAs.
How do I roll over to a different HSA provider?
Request a trustee-to-trustee transfer (unlimited, no tax impact) or take a distribution and recontribute within 60 days (once per year).
Related Terms
Health Savings Account (HSA)
A tax-advantaged savings account for people with high-deductible health plans to pay for qualified medical expenses.
Flexible Spending Account (FSA)
An employer-sponsored account that lets you pay for eligible healthcare expenses with pre-tax dollars, typically with a use-it-or-lose-it rule.
Portability
The ability to keep your HSA when you change jobs, retire, or switch health plans.
Trustee-to-Trustee Transfer
Moving HSA funds directly between custodians without taking a distribution, avoiding taxes and limits.
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