re: HSA vs. Traditional Health Insurance Plans

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how do you document the HSA expenditures are eligible so they aren't subject to penalty and tax?

do you purchase said goods and send a receipt to the benefits provider for reimbursement?

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I may be wrong, but I think you're good to use it for whatever it is you need medically. If there are issues, I'm sure someone will come looking.

I know for my HSA there are guidelines as what qualifies for certain tiers, medical expenses, etc..

Kinda like taxes, you're good until they decide to audit you.

Again, I'm not heavily experienced with the use of an HSA.