Provider guide · Fidelity HSA

Reimburse yourself from your Fidelity HSA, and keep the proof.

Many Fidelity customers pay medical bills out of pocket, leave the HSA invested, and pay themselves back later. Here is how Fidelity handles the payback, where it keeps receipts, and how to hold on to proof that stays with you even if you switch providers.

Monthly fee: $0
Receipt storage: Yes, inside Fidelity
Deadline to reimburse: None (IRS)

How to reimburse yourself from Fidelity

Move the money from your Fidelity HSA to yourself: an online transfer to another Fidelity account, an electronic transfer to a linked bank account, Bill Pay to your own account, or a check.

Fidelity notes you might not need to send receipts to get reimbursed, but you should keep them for tax purposes.

Where Fidelity keeps your receipts

You can upload receipts in the Fidelity Health app, and Fidelity says receipts can also be stored on Fidelity.com.

A provider's receipt storage belongs to that account. People change jobs, roll their HSA to a lower-fee provider, or close an account years before they reimburse themselves, and the proof needs to outlive all of that.

Keep a record that isn't tied to Fidelity

Every receipt, EOB and proof of payment in one private household record that moves with you between providers.
The eligibility ruling saved with each expense, so you know what qualified and why years later.
A proof checklist for each record: itemized receipt, proof of payment, and any EOB, prescription or letter of medical necessity it needs.
Partial reimbursements tracked against each expense, so the same receipt is never claimed twice.
A free ZIP archive of every receipt and record, plus a printable Form 8889 worksheet on Founding Household.

Start your shoebox freeWorks alongside your Fidelity account. No account linking.

There is no deadline to pay yourself back

“A distribution from an HSA in the current year can be used to pay or reimburse expenses incurred in any prior year as long as the expenses were incurred after the HSA was established. Thus, there is no time limit on when the distribution must occur.”
IRS Notice 2004-50

To keep the withdrawal tax-free, you must keep records showing it paid or reimbursed a qualified medical expense, that the expense wasn't paid or reimbursed from another source, and that it wasn't taken as an itemized deduction. See IRS Publication 969.

Tax forms

Fidelity issues Form 1099-SA for withdrawals (including debit card spending) and Form 5498-SA for contributions and the account's value.

Your provider's forms are the official figures. HSA Trackr's worksheet lines up your own records against them: withdrawals taken in the year, the receipts behind them, and anything missing proof.

Fidelity HSA questions

How do I reimburse myself from my Fidelity HSA?

Move the money from your Fidelity HSA to yourself: an online transfer to another Fidelity account, an electronic transfer to a linked bank account, Bill Pay to your own account, or a check.

Does Fidelity store my HSA receipts?

You can upload receipts in the Fidelity Health app, and Fidelity says receipts can also be stored on Fidelity.com.

Is there a deadline to reimburse myself from my Fidelity HSA?

No. Under IRS guidance there is no time limit, as long as the expense was incurred after your HSA was established and you keep records proving it. To keep the withdrawal tax-free, you must keep records showing it paid or reimbursed a qualified medical expense, that the expense wasn't paid or reimbursed from another source, and that it wasn't taken as an itemized deduction.

What happens to my receipts if I leave Fidelity?

Receipts stored inside a provider's site belong to that account. If you change jobs, roll your HSA to another provider or close the account, download your receipts first, or keep your own copies in a record that isn't tied to any one provider.

What tax forms does Fidelity send?