HSA account uses

You can also withdraw funds and use it for whatever so long as you have a medical expense receipt from the past. Ie you paid $1000 for dental work last January out of pocket, now you can take that $1000 out now for hookers and blow tax free. If they ever audit you just say it was to reimburse you for the January out of pocket dental exp

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When I submit a claim, it asks who received the treatment and has a drop-down list of approved family members.

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HSAs are portable. If you receive an employer contribution, you’d need to leave that target account open with whatever the minimum balance is, so that you can continue getting the employer contribution (if it exists). But then, you *might consider* transferring the rest to an administrator (like Lively) that gives more freedom in how the account is handled and also greater investment choices (through TD Ameritrade/Schwab) with zero fees. Just an idea for you or anyone else.

These are great, triple tax advantaged accounts. I just wish that the max annual contribution was higher. IMO, the max allowable contribution should match the federal maximum allowable out of pocket expense. But, as with most things, my opinion doesn’t matter.