# HSA Trackr

> Independent HSA (Health Savings Account) guides and provider reviews. Side-by-side comparisons with worked dollar examples, IRS-accurate 2026 contribution limits, eligibility lookups for 188+ medical expenses, and recommendations for the HSA providers long-term investors actually use (Fidelity, Lively).

## Flagship Guides

- [Best HSA Providers 2026](/best-hsa-providers): Independent comparison of Fidelity HSA, Lively, HealthEquity, HSA Bank, Optum Bank, and Further. Monthly fees, investment minimums, transfer policies, and which providers compound tax-free over 30 years.
- [FSA vs HSA: Which to Choose](/fsa-vs-hsa): Complete comparison covering 2026 contribution limits ($4,400/$8,750 HSA vs $3,300 FSA), rollover rules, tax benefits, and 3 worked-dollar scenarios (28-year-old engineer, family with kids, near-retirement).
- [What Is an HSA](/what-is-hsa): Full guide to Health Savings Accounts - triple tax advantage, HDHP requirements, investment options, and how the shoebox strategy compounds tax-free.
- [HSA Contribution Limits](/hsa-contribution-limits): IRS-set 2026 limits ($4,400 self-only, $8,750 family, $1,000 catch-up at 55+) plus history back to 2004.
- [HRA vs HSA](/hra-vs-hsa): Compare employer-funded HRAs to personally-owned HSAs, with rules for combining them.

## Core Tools

- [Home](/): Independent HSA guides + provider reviews homepage.
- [HSA-Eligible Expenses](/eligible): Searchable, filterable index of 189 HSA-eligible and ineligible expenses by category.
- [HSA Reimbursement Report](/tools/hsa-reimbursement-report): Interactive report for out-of-pocket medical expenses, receipt readiness, and delayed reimbursement planning.
- [HSA Transfer Planner](/tools/hsa-transfer-planner): Interactive report for provider fee drag, transfer break-even timing, cash-window risk, and move-now vs annual-sweep decisions.
- [HSA State Tax Guides](/states): State-by-state breakdown of HSA tax treatment across all 50 states + DC.
- [HSA Contribution Limits Archive](/limits): IRS-set HSA contribution limits and HDHP requirements by year.
- [HSA Glossary](/glossary): 62 HSA-related terms explained in plain English.
- [HSA Calculators](/calculators): 5 interactive tools - tax savings, shoebox growth, FSA vs HSA, contribution limits.
- [Vendor Comparisons](/compare): 21 vendor-vs-vendor comparisons (BetterHelp vs Talkspace, Hims vs Ro, Truemed vs Flex, etc.) for HSA-eligibility decisions.
- [HSA for Personas](/for): Tailored HSA guides for freelancers, families, retirees, FIRE community, and more.

## HSA-Eligible Expenses (188 total)

A comprehensive database of medical expenses with eligibility status, typical costs, requirements, and FAQs.

### By Category

- [Medical Expenses](/eligible/category/medical): Doctor visits, surgery, hospital stays, urgent care, and more.
- [Dental Expenses](/eligible/category/dental): Cleanings, fillings, crowns, implants, braces, and more.
- [Vision Expenses](/eligible/category/vision): Eye exams, glasses, contacts, LASIK, and more.
- [Pharmacy Expenses](/eligible/category/pharmacy): Prescriptions, OTC medications, insulin, sunscreen, and more.
- [Mental Health Expenses](/eligible/category/mental-health): Therapy, psychiatrist visits, substance abuse treatment.
- [Lab Tests & Diagnostics](/eligible/category/lab-tests): Blood work, X-rays, MRI, CT scans.
- [Preventive Care](/eligible/category/preventive-care): Vaccinations and immunizations.
- [Equipment & Supplies](/eligible/category/equipment-supplies): Monitors, mobility aids, first aid, and more.

### Most-Searched Eligible Expenses

- [Chiropractor](/eligible/chiropractor): HSA-eligible. $30–$200 per visit.
- [Acupuncture](/eligible/acupuncture): HSA-eligible. $75–$200 per session.
- [Physical Therapy](/eligible/physical-therapy): HSA-eligible. $50–$350 per session.
- [Doctor Visits](/eligible/doctor-visits): HSA-eligible. $20–$300 per visit.
- [Urgent Care](/eligible/urgent-care): HSA-eligible. $100–$300 per visit.
- [Emergency Room](/eligible/emergency-room): HSA-eligible. $500–$3,000+ per visit.
- [Specialist Visits](/eligible/specialist-visits): HSA-eligible. $50–$500 per visit.
- [Surgery](/eligible/surgery): HSA-eligible (medically necessary). Varies widely.
- [Hospital Stays](/eligible/hospital-stays): HSA-eligible. $2,000–$10,000+ per day.
- [LASIK Eye Surgery](/eligible/lasik): HSA-eligible. $2,000–$4,000 per eye.
- [Dental Cleaning](/eligible/dental-cleaning): HSA-eligible. $75–$200 per cleaning.
- [Braces & Orthodontics](/eligible/braces): HSA-eligible. $3,000–$8,000 full treatment.
- [Dental Implants](/eligible/dental-implants): HSA-eligible. $3,000–$6,000 per implant.
- [Prescription Glasses](/eligible/prescription-glasses): HSA-eligible. $100–$600+ per pair.
- [Contact Lenses](/eligible/contact-lenses): HSA-eligible. $200–$800 per year.
- [Prescription Medications](/eligible/prescription-medications): HSA-eligible. Varies.
- [Over-the-Counter Medications](/eligible/over-the-counter-medications): HSA-eligible since CARES Act (2020).
- [Insulin](/eligible/insulin): HSA-eligible without prescription. $50–$300+/month.
- [Therapy & Counseling](/eligible/therapy): HSA-eligible. $100–$300 per session.
- [Hearing Aids](/eligible/hearing-aids): HSA-eligible. $1,000–$6,000 per pair.
- [Ozempic / GLP-1 Medications](/eligible/ozempic): HSA-eligible with prescription. $900–$1,350/month.
- [Invisalign](/eligible/invisalign): HSA-eligible. $3,000–$8,000 full treatment.
- [CPAP Machine](/eligible/cpap-machine): HSA-eligible. $500–$3,000.
- [Fertility Treatment](/eligible/fertility-treatment): HSA-eligible. $5,000–$30,000+ per cycle.
- [Pregnancy Care](/eligible/pregnancy-care): HSA-eligible. Varies.
- [Breast Pump](/eligible/breast-pump): HSA-eligible. $50–$500.
- [Birth Control](/eligible/birth-control): HSA-eligible. $0–$200/month.
- [Menstrual Products](/eligible/menstrual-products): HSA-eligible since CARES Act (2020).
- [COVID Test](/eligible/covid-test): HSA-eligible. $10–$40 per test.
- [Condoms](/eligible/condoms): HSA-eligible. $5–$20 per box.
- [Sunscreen](/eligible/sunscreen): HSA-eligible (SPF 15+). $8–$30 per bottle.
- [Massage Therapy](/eligible/massage-therapy): Conditionally eligible — requires doctor's prescription.
- [Weight Loss Programs](/eligible/weight-loss-programs): Conditionally eligible — requires medical necessity.
- [Gym Membership](/eligible/gym-membership): Generally NOT eligible.
- [Cosmetic Surgery](/eligible/cosmetic-surgery): NOT eligible (unless correcting deformity).
- [Vitamins & Supplements](/eligible/vitamins): Only eligible if prescribed for a medical condition.
- [Teeth Whitening](/eligible/teeth-whitening): NOT eligible (cosmetic).
- [Peloton](/eligible/peloton): NOT eligible (exercise equipment).
- [CBD Oil](/eligible/cbd-oil): NOT eligible (not FDA-approved).

### Additional Eligible Expenses (A-Z)

- [Acne Medication](/eligible/acne-medication)
- [Air Purifier](/eligible/air-purifier)
- [Allergy Shots](/eligible/allergy-shots)
- [Allergy Testing](/eligible/allergy-testing)
- [Ambulance](/eligible/ambulance)
- [Anesthesia](/eligible/anesthesia)
- [Annual Physical](/eligible/annual-physical)
- [Anti-Itch Cream](/eligible/anti-itch-cream)
- [Assisted Living](/eligible/assisted-living)
- [Baby Formula](/eligible/baby-formula)
- [Blood Glucose Monitor](/eligible/blood-glucose-monitor)
- [Blood Pressure Monitor](/eligible/blood-pressure-monitor)
- [Blood Transfusion](/eligible/blood-transfusion)
- [Blood Work](/eligible/blood-work)
- [Body Scan](/eligible/body-scan)
- [Braille Materials](/eligible/braille-materials)
- [Breast Reconstruction](/eligible/breast-reconstruction)
- [Breastfeeding Supplies](/eligible/breastfeeding-supplies)
- [Cane](/eligible/cane)
- [Car Modifications for Disability](/eligible/car-modifications-disability)
- [Catheter Supplies](/eligible/catheter-supplies)
- [Childbirth Classes](/eligible/childbirth-classes)
- [Clarinet (Orthodontic)](/eligible/clarinet-orthodontic)
- [Coinsurance & Deductibles](/eligible/coinsurance-deductibles)
- [Compression Socks](/eligible/compression-socks)
- [Contact Lens Insurance](/eligible/contact-lens-insurance)
- [Contact Lens Solution](/eligible/contact-lens-solution)
- [Cosmetic Dentistry](/eligible/cosmetic-dentistry)
- [Crutches](/eligible/crutches)
- [CT Scan](/eligible/ct-scan)
- [Dental Anesthesia](/eligible/dental-anesthesia)
- [Dental Bridge](/eligible/dental-bridge)
- [Dental Crowns](/eligible/dental-crowns)
- [Dental Fillings](/eligible/dental-fillings)
- [Dental Night Guard Replacement](/eligible/dental-night-guard-replacement)
- [Dental Retainer](/eligible/dental-retainer)
- [Dental Surgery](/eligible/dental-surgery)
- [Dental Veneers](/eligible/dental-veneers)
- [Dental X-Rays](/eligible/dental-x-rays)
- [Dentures](/eligible/dentures)
- [Dermatologist](/eligible/dermatologist)
- [Diabetic Shoes](/eligible/diabetic-shoes)
- [Diabetic Supplies](/eligible/diabetic-supplies)
- [Diaper Cream](/eligible/diaper-cream)
- [Digestive Aids](/eligible/digestive-aids)
- [Drug Addiction Treatment](/eligible/drug-addiction-treatment)
- [Dyslexia Treatment](/eligible/dyslexia-treatment)
- [Egg Freezing](/eligible/egg-freezing)
- [Elastic Bandages](/eligible/elastic-bandages)
- [Electric Toothbrush](/eligible/electric-toothbrush)
- [EpiPen](/eligible/epi-pen)
- [Eye Drops](/eligible/eye-drops)
- [Eye Exam](/eligible/eye-exam)
- [Eye Patches](/eligible/eye-patches)
- [First Aid Supplies](/eligible/first-aid-supplies)
- [Fitness Tracker](/eligible/fitness-tracker)
- [Flu Medicine](/eligible/flu-medicine)
- [Fluoride Treatment](/eligible/fluoride-treatment)
- [Genetic Testing](/eligible/genetic-testing)
- [Hair Loss Treatment](/eligible/hair-loss-treatment)
- [Hair Transplant](/eligible/hair-transplant)
- [Hand Sanitizer](/eligible/hand-sanitizer)
- [Hearing Test](/eligible/hearing-test)
- [Heating Pad](/eligible/heating-pad)
- [Home Health Care](/eligible/home-health-care)
- [Home Modifications for Disability](/eligible/home-modifications-disability)
- [Hormone Therapy](/eligible/hormone-therapy)
- [Hospital Bed](/eligible/hospital-bed)
- [Hot/Cold Packs](/eligible/hot-cold-packs)
- [Humidifier](/eligible/humidifier)
- [Hypnotherapy](/eligible/hypnotherapy)
- [Incontinence Supplies](/eligible/incontinence-supplies)
- [In Vitro Fertilization](/eligible/in-vitro-fertilization)
- [Iron Supplements (Prescribed)](/eligible/iron-supplements-prescribed)
- [Joint Replacement Surgery](/eligible/joint-replacement)
- [Knee Brace](/eligible/knee-brace)
- [Lab Fees](/eligible/lab-fees)
- [Lactation Consultant](/eligible/lactation-consultant)
- [Lead Paint Removal](/eligible/lead-paint-removal)
- [Lice Treatment](/eligible/lice-treatment)
- [Lip Balm with SPF](/eligible/lip-balm-spf)
- [Long-Term Care Insurance Premiums](/eligible/long-term-care-premiums)
- [Masks & PPE](/eligible/masks-ppe)
- [Medical Alert System](/eligible/medical-alert-system)
- [Medical Conference](/eligible/medical-conference)
- [Medical Records Fees](/eligible/medical-records-fees)
- [Medical Transportation](/eligible/medical-transportation)
- [Melatonin](/eligible/melatonin)
- [Midwife](/eligible/midwife)
- [Motion Sickness Medicine](/eligible/motion-sickness-medicine)
- [MRI](/eligible/mri)
- [Nasal Strips](/eligible/nasal-strips)
- [Nebulizer](/eligible/nebulizer)
- [Nicotine Patches](/eligible/nicotine-patches)
- [Night Guard](/eligible/night-guard)
- [Nursing Home](/eligible/nursing-home)
- [Nursing Services](/eligible/nursing-services)
- [Occupational Therapy](/eligible/occupational-therapy)
- [Optometrist](/eligible/optometrist)
- [Organ Transplant](/eligible/organ-transplant)
- [Orthodontic Wax](/eligible/orthodontic-wax)
- [Orthopedic Shoes](/eligible/orthopedic-shoes)
- [Ostomy Supplies](/eligible/ostomy-supplies)
- [Ovulation Test](/eligible/ovulation-test)
- [Oxygen Equipment](/eligible/oxygen-equipment)
- [Pain Relievers](/eligible/pain-relievers)
- [Paternity Test](/eligible/paternity-test)
- [Pedialyte](/eligible/pedialyte)
- [Pediatrician](/eligible/pediatrician)
- [Physical Exam](/eligible/physical-exam)
- [Podiatrist](/eligible/podiatrist)
- [Pregnancy Support Belt](/eligible/pregnancy-support-belt)
- [Pregnancy Test](/eligible/pregnancy-test)
- [Prenatal Vitamins](/eligible/prenatal-vitamins)
- [Prescription Skin Care](/eligible/prescription-skin-care)
- [Prescription Sunglasses](/eligible/prescription-sunglasses)
- [Probiotics](/eligible/probiotics)
- [Prosthetics](/eligible/prosthetics)
- [Psychiatrist](/eligible/psychiatrist)
- [Reading Glasses](/eligible/reading-glasses)
- [Root Canal](/eligible/root-canal)
- [Saline Nasal Spray](/eligible/saline-nasal-spray)
- [Scoliosis Brace](/eligible/scoliosis-brace)
- [Service Animal](/eligible/service-animal)
- [Sleep Aids](/eligible/sleep-aids)
- [Smoking Cessation Programs](/eligible/smoking-cessation-programs)
- [Special Education](/eligible/special-education)
- [Speech Therapy](/eligible/speech-therapy)
- [Stethoscope](/eligible/stethoscope)
- [Substance Abuse Treatment](/eligible/substance-abuse-treatment)
- [Surgical Stockings](/eligible/surgical-stockings)
- [Teeth Sealants](/eligible/teeth-sealants)
- [Telemedicine](/eligible/telemedicine)
- [Thermometer](/eligible/thermometer)
- [Tongue Depressors](/eligible/tongue-depressors)
- [Traction Equipment](/eligible/traction-equipment)
- [Transplant Donor Expenses](/eligible/transplant-donor-expenses)
- [Tubal Ligation](/eligible/tubal-ligation)
- [Ultrasound](/eligible/ultrasound)
- [Varicose Vein Treatment](/eligible/varicose-vein-treatment)
- [Vasectomy](/eligible/vasectomy)
- [Vision Therapy](/eligible/vision-therapy)
- [Walker](/eligible/walker)
- [Wart Remover](/eligible/wart-remover)
- [Wheelchair](/eligible/wheelchair)
- [Wig (Medical)](/eligible/wig-medical)
- [Wound Care](/eligible/wound-care)
- [X-Rays](/eligible/x-rays)

## HSA Glossary (62 terms)

Plain-English definitions for HSA-related terms, organized by category.

### Accounts

- [HSA (Health Savings Account)](/glossary/hsa)
- [FSA (Flexible Spending Account)](/glossary/fsa)
- [HRA (Health Reimbursement Arrangement)](/glossary/hra)
- [MSA (Medical Savings Account)](/glossary/msa)
- [DCFSA (Dependent Care FSA)](/glossary/dcfsa)
- [LPFSA (Limited Purpose FSA)](/glossary/lpfsa)

### Plans

- [HDHP (High Deductible Health Plan)](/glossary/hdhp)
- [PPO (Preferred Provider Organization)](/glossary/ppo)
- [HMO (Health Maintenance Organization)](/glossary/hmo)
- [EPO (Exclusive Provider Organization)](/glossary/epo)
- [ICHRA (Individual Coverage HRA)](/glossary/ichra)
- [QSEHRA (Qualified Small Employer HRA)](/glossary/qsehra)

### Contributions

- [Contribution Limit](/glossary/contribution-limit)
- [Catch-Up Contribution](/glossary/catch-up-contribution)
- [Employer Contribution](/glossary/employer-contribution)
- [Rollover](/glossary/rollover)
- [Portability](/glossary/portability)
- [Last-Month Rule](/glossary/last-month-rule)

### Expenses

- [Qualified Medical Expense](/glossary/qualified-medical-expense)
- [Eligible Expense](/glossary/eligible-expense)
- [Ineligible Expense](/glossary/ineligible-expense)
- [Substantiation](/glossary/substantiation)
- [Receipt](/glossary/receipt)
- [Letter of Medical Necessity](/glossary/letter-of-medical-necessity)
- [Deductible](/glossary/deductible)
- [Copay](/glossary/copay)
- [Coinsurance](/glossary/coinsurance)
- [Out-of-Pocket Maximum](/glossary/out-of-pocket-maximum)
- [Premium](/glossary/premium)
- [Preventive Care](/glossary/preventive-care)
- [In-Network](/glossary/in-network)
- [Out-of-Network](/glossary/out-of-network)
- [Primary Care Physician](/glossary/primary-care-physician)
- [Referral](/glossary/referral)
- [Balance Billing](/glossary/balance-billing)
- [Allowed Amount](/glossary/allowed-amount)
- [Explanation of Benefits (EOB)](/glossary/explanation-of-benefits)

### Taxes

- [Triple Tax Advantage](/glossary/triple-tax-advantage)
- [Pre-Tax](/glossary/pre-tax)
- [Tax-Deductible](/glossary/tax-deductible)
- [Tax-Free Growth](/glossary/tax-free-growth)
- [Tax-Free Withdrawal](/glossary/tax-free-withdrawal)
- [FICA](/glossary/fica)
- [Form 8889](/glossary/form-8889)
- [Above-the-Line Deduction](/glossary/above-the-line)

### Strategies

- [Shoebox Strategy](/glossary/shoebox-strategy)
- [HSA as Retirement Account](/glossary/hsa-as-retirement)
- [Super Saver Strategy](/glossary/super-saver-strategy)
- [Reimburse Yourself](/glossary/reimburse-yourself)
- [Mega Backdoor HSA](/glossary/mega-backdoor-hsa)

### Providers

- [HSA Custodian](/glossary/hsa-custodian)
- [HSA Administrator](/glossary/hsa-administrator)
- [Investment Options](/glossary/investment-options)
- [FDIC Insured](/glossary/fdic-insured)
- [Trustee-to-Trustee Transfer](/glossary/trustee-to-trustee-transfer)

### Other Terms

- [Medicare](/glossary/medicare)
- [Penalty](/glossary/penalty)
- [Use-It-or-Lose-It](/glossary/use-it-or-lose-it)
- [IRS Publication 502](/glossary/irs-publication-502)
- [Self-Employed](/glossary/self-employed)
- [Beneficiary](/glossary/beneficiary)
- [CARES Act](/glossary/cares-act)

## HSA Calculators (5 tools)

Interactive tools to optimize your HSA strategy.

- [HSA Contribution Calculator](/calculators/contribution): Calculate optimal HSA contribution based on your tax bracket and expected expenses.
- [HSA Tax Savings Calculator](/calculators/tax-savings): See how much you save in federal and state taxes with HSA contributions.
- [HSA Investment Growth Calculator](/calculators/investment-growth): Project your HSA balance over time with compound growth.
- [HSA vs FSA Comparison Calculator](/calculators/hsa-vs-fsa): Compare HSA and FSA for your situation.
- [HSA Retirement Estimator](/calculators/retirement): Estimate your HSA value at retirement using the shoebox strategy.

## HSA Provider Comparisons (37 pages)

Compare HSA providers across fees, investment options, interest rates, and features.

### Provider Index

- [Compare All HSA Providers](/compare): Side-by-side comparison of 9 top HSA providers.

### Individual Provider Profiles

- [Fidelity HSA](/compare/fidelity): $0 fees, full brokerage access, best for investors.
- [Lively](/compare/lively): Modern fintech HSA with Schwab investing.
- [HealthEquity](/compare/healthequity): Largest HSA administrator, Vanguard funds.
- [Optum Bank](/compare/optum-bank): UnitedHealth Group, multiple investment paths.
- [HSA Bank](/compare/hsa-bank): TD Ameritrade/Schwab brokerage integration.
- [Further (SelectAccount)](/compare/further): HealthEquity-owned, no hidden fees.
- [First American Bank](/compare/first-american-bank): Fee-free for individuals, Vanguard funds.
- [The HSA Authority (UMB)](/compare/the-hsa-authority): Solid employer-sponsored option.
- [Saturna Capital](/compare/saturna-capital): Socially responsible and Islamic-compliant options.

### Top Provider Comparisons

- [Fidelity vs Lively](/compare/fidelity-vs-lively)
- [Fidelity vs HealthEquity](/compare/fidelity-vs-healthequity)
- [Fidelity vs HSA Bank](/compare/fidelity-vs-hsa-bank)
- [Fidelity vs Optum Bank](/compare/fidelity-vs-optum-bank)
- [Fidelity vs First American Bank](/compare/fidelity-vs-first-american-bank)
- [Fidelity vs Further](/compare/fidelity-vs-further)
- [Fidelity vs The HSA Authority](/compare/fidelity-vs-the-hsa-authority)
- [Fidelity vs Saturna Capital](/compare/fidelity-vs-saturna-capital)
- [Lively vs HealthEquity](/compare/healthequity-vs-lively)
- [Lively vs HSA Bank](/compare/hsa-bank-vs-lively)
- [Lively vs Optum Bank](/compare/lively-vs-optum-bank)
- [Lively vs First American Bank](/compare/first-american-bank-vs-lively)
- [Lively vs Further](/compare/further-vs-lively)
- [Lively vs The HSA Authority](/compare/lively-vs-the-hsa-authority)
- [Lively vs Saturna Capital](/compare/lively-vs-saturna-capital)
- [HealthEquity vs HSA Bank](/compare/healthequity-vs-hsa-bank)
- [HealthEquity vs Optum Bank](/compare/healthequity-vs-optum-bank)
- [HealthEquity vs First American Bank](/compare/first-american-bank-vs-healthequity)
- [HealthEquity vs Further](/compare/further-vs-healthequity)
- [HealthEquity vs The HSA Authority](/compare/healthequity-vs-the-hsa-authority)
- [HealthEquity vs Saturna Capital](/compare/healthequity-vs-saturna-capital)
- [HSA Bank vs Optum Bank](/compare/hsa-bank-vs-optum-bank)
- [HSA Bank vs First American Bank](/compare/first-american-bank-vs-hsa-bank)
- [HSA Bank vs Further](/compare/further-vs-hsa-bank)
- [HSA Bank vs The HSA Authority](/compare/hsa-bank-vs-the-hsa-authority)
- [HSA Bank vs Saturna Capital](/compare/hsa-bank-vs-saturna-capital)
- [Optum Bank vs First American Bank](/compare/first-american-bank-vs-optum-bank)
- [Optum Bank vs Further](/compare/further-vs-optum-bank)
- [Optum Bank vs The HSA Authority](/compare/optum-bank-vs-the-hsa-authority)
- [Optum Bank vs Saturna Capital](/compare/optum-bank-vs-saturna-capital)
- [First American Bank vs Further](/compare/first-american-bank-vs-further)
- [First American Bank vs The HSA Authority](/compare/first-american-bank-vs-the-hsa-authority)
- [First American Bank vs Saturna Capital](/compare/first-american-bank-vs-saturna-capital)
- [Further vs The HSA Authority](/compare/further-vs-the-hsa-authority)
- [Further vs Saturna Capital](/compare/further-vs-saturna-capital)
- [The HSA Authority vs Saturna Capital](/compare/saturna-capital-vs-the-hsa-authority)

## For Personas (10 pages)

Tailored HSA guides for different life situations.

- [HSA for Freelancers](/for/freelancers): 1099 contractors and gig workers.
- [HSA for Families](/for/families): Track spouse and kids' medical expenses.
- [HSA for Retirees](/for/retirees): Medicare transition and catch-up contributions.
- [HSA for FIRE Community](/for/fire): Triple tax advantage for financial independence.
- [HSA for Self-Employed](/for/self-employed): Solopreneurs and small business owners.
- [HSA for First-Time Users](/for/first-time-hsa): Beginners learning HSA basics.
- [HSA for High Earners](/for/high-earners): Tax optimization for high-income individuals.
- [HSA for Remote Workers](/for/remote-workers): Digital nomads and multi-state tracking.
- [HSA for Small Business Owners](/for/small-business-owners): Employer HSA contributions.
- [HSA for Healthcare Workers](/for/healthcare-workers): Nurses, doctors, and medical professionals.

## HSA State Tax Guides (51 states)

State-by-state breakdown of HSA tax treatment across all 50 states + DC.

- [All State Guides](/states): Compare HSA tax benefits across states.

### Full State Tax Benefits (49 states)

- [Alabama](/states/alabama)
- [Alaska](/states/alaska)
- [Arizona](/states/arizona)
- [Arkansas](/states/arkansas)
- [Colorado](/states/colorado)
- [Connecticut](/states/connecticut)
- [Delaware](/states/delaware)
- [District of Columbia](/states/district-of-columbia)
- [Florida](/states/florida)
- [Georgia](/states/georgia)
- [Hawaii](/states/hawaii)
- [Idaho](/states/idaho)
- [Illinois](/states/illinois)
- [Indiana](/states/indiana)
- [Iowa](/states/iowa)
- [Kansas](/states/kansas)
- [Kentucky](/states/kentucky)
- [Louisiana](/states/louisiana)
- [Maine](/states/maine)
- [Maryland](/states/maryland)
- [Massachusetts](/states/massachusetts)
- [Michigan](/states/michigan)
- [Minnesota](/states/minnesota)
- [Mississippi](/states/mississippi)
- [Missouri](/states/missouri)
- [Montana](/states/montana)
- [Nebraska](/states/nebraska)
- [Nevada](/states/nevada)
- [New Hampshire](/states/new-hampshire)
- [New Mexico](/states/new-mexico)
- [New York](/states/new-york)
- [North Carolina](/states/north-carolina)
- [North Dakota](/states/north-dakota)
- [Ohio](/states/ohio)
- [Oklahoma](/states/oklahoma)
- [Oregon](/states/oregon)
- [Pennsylvania](/states/pennsylvania)
- [Rhode Island](/states/rhode-island)
- [South Carolina](/states/south-carolina)
- [South Dakota](/states/south-dakota)
- [Tennessee](/states/tennessee)
- [Texas](/states/texas)
- [Utah](/states/utah)
- [Vermont](/states/vermont)
- [Virginia](/states/virginia)
- [Washington](/states/washington)
- [West Virginia](/states/west-virginia)
- [Wisconsin](/states/wisconsin)
- [Wyoming](/states/wyoming)

### States Without Full HSA Tax Benefits

- [California](/states/california): Does NOT recognize HSA tax benefits. Contributions are taxed, and investment gains are taxable income.
- [New Jersey](/states/new-jersey): Does NOT allow HSA deductions. Contributions are taxed at the state level.

## HSA Contribution Limits (7 years)

IRS-set HSA contribution limits, HDHP requirements, and out-of-pocket maximums by year.

- [All Contribution Limits](/limits): Year-over-year comparison table (2020–2026).
- [2026 HSA Limits](/limits/2026): $4,400 (self-only), $8,750 (family). Projected.
- [2025 HSA Limits](/limits/2025): $4,300 (self-only), $8,550 (family).
- [2024 HSA Limits](/limits/2024): $4,150 (self-only), $8,300 (family).
- [2023 HSA Limits](/limits/2023): $3,850 (self-only), $7,750 (family).
- [2022 HSA Limits](/limits/2022): $3,650 (self-only), $7,300 (family).
- [2021 HSA Limits](/limits/2021): $3,600 (self-only), $7,200 (family).
- [2020 HSA Limits](/limits/2020): $3,550 (self-only), $7,100 (family).

## Blog (5 articles)

Expert guides on HSA strategies, tax tips, and account comparisons.

- [What Is the HSA Shoebox Strategy?](/blog/hsa-shoebox-strategy): Pay medical expenses out-of-pocket, grow your HSA tax-free, reimburse yourself years later.
- [HSA vs FSA: Which Is Better for You?](/blog/hsa-vs-fsa): Side-by-side comparison of rollover rules, portability, tax advantages, and when each makes sense.
- [5 HSA Tax Mistakes to Avoid in 2026](/blog/hsa-tax-mistakes-2026): Common mistakes that cost money - lost receipts, missed deadlines, state tax surprises.
- [How $3,000 in Medical Bills Becomes $11,400 Tax-Free](/blog/hsa-compound-growth-math): Year-by-year math behind the shoebox strategy with HSA vs taxable brokerage comparison.
- [Your First Week of the HSA Shoebox Strategy](/blog/hsa-shoebox-strategy-getting-started): Step-by-step 7-day action plan to set up the shoebox strategy.

## JSON API (for agents)

Free, public API. No auth required. Rate limited at 30 req/min per IP. All endpoints return `{ data, meta }` JSON.

### Reference Data
- `GET /api/v1` - API documentation and endpoint index
- `GET /api/v1/limits?year=2026` - Contribution limits by year (2020-2026)
- `GET /api/v1/eligible?search=lasik&category=vision` - 189 eligible expenses, filterable
- `GET /api/v1/eligible/:slug` - Single expense detail (e.g. `/api/v1/eligible/lasik`)
- `GET /api/v1/glossary?search=hdhp&category=accounts` - 62 glossary terms, filterable
- `GET /api/v1/glossary/:slug` - Single term detail (e.g. `/api/v1/glossary/hsa`)
- `GET /api/v1/providers` - 9 HSA providers with fees, investing, features
- `GET /api/v1/providers/:slug` - Single provider (e.g. `/api/v1/providers/fidelity`)
- `GET /api/v1/providers/compare?providers=fidelity,lively` - Side-by-side comparison
- `GET /api/v1/states/:slug` - 51 state HSA tax guides (e.g. `/api/v1/states/california`). Use `all` for full list.

### Calculators
- `GET /api/v1/calculator/tax-savings?contribution=4400&federalBracket=22&stateRate=5&years=10` - Tax savings projection
- `GET /api/v1/calculator/hsa-vs-cash/:procedure?taxRate=30&years=10` - HSA vs cash for 22 procedures (e.g. `/api/v1/calculator/hsa-vs-cash/lasik`)
- `GET /api/v1/calculator/form-8889?coverage=self&age55=false&directContributions=4400` - Form 8889 deduction calculator

### Discovery
- `/.well-known/ai-plugin.json` - OpenAI plugin manifest

## Legal

- [Privacy Policy](/privacy)
- [Terms of Service](/terms)

## Key Facts

- HSA reimbursements have NO time limit — expenses from 5+ years ago are valid if incurred after the HSA was opened.
- The CARES Act (2020) made OTC medications and menstrual products HSA-eligible without a prescription.
- The average HSA holder has $3,200+ in unclaimed reimbursements (InComm Benefits 2025 survey).
- 39.3 million Americans have HSAs covering 59.3 million people (Devenir 2024).
- Only California and New Jersey do not offer state-level HSA tax benefits.
- States with no income tax (TX, FL, WA, NV, WY, SD, AK, TN, NH) provide full HSA benefits by default.
- The catch-up contribution for ages 55+ is $1,000 additional per year (unchanged since 2009).
- HSA Trackr is 100% free — no subscriptions, no credit card required.