Subject: Re: Opened HSA 2026
The only other thing I can think of to add is that a huge number of everyday products and services are HSA eligible. OTC medications of course, but also things like sunscreen, contact solution, bathroom scales, transportation to and from medical visits...the list is pretty long.

We've had an HSA for several years, courtesy of my wife's employer before she retired (we both have been for several years). That list of incidentals can be a heavy drain on the HSA if it's used for those. We keep our HSA for serious medical expenses (of which we've had none, so far, the most expensive being a minor meniscus tear in my wife's knee.) We pay for those incidentals, including the meniscus tear, which wasn't that expensive and mostly covered by our insurance, out of our everyday expenses category.

We'll use the HSA for something truly serious, something requiring hospitalization that our insurance doesn't cover.

Eric Hines