The DU Lounge

plan) the money carries over from year to year, and after you reach a certain age in retirement can be used for other expenses.

If you have a debit/ATM card for the HSA where you can withdraw money from the account whenever you want, using it is a piece of cake. Like any tax-sheltered account, you have to keep records of your eligible expenses (just throw all the receipts, etc in a folder) to show that amount withdrawn is not greater than the amount of eligible expenses in case of an audit. But it's fairly loosey-goosey, in that withdrawals and expenses don't even need to be in the same calendar year or benefit year.