What Happens If You Put Too Much Money in Your HSA? Fixing an Excess Contribution (2026)
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Short answer: over-fund your HSA past the 2026 limit and you'll owe a 6% excise tax each year it's uncorrected — unless you withdraw the...
Can You Buy Red Light Therapy as a Gift With Your FSA or HSA Card?
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Short answer: not directly. FSA and HSA funds can only cover your own or your tax dependents' medical expenses, so gifting to someone outside your...
Do You Need a Letter of Medical Necessity for Red Light Therapy?
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Short answer: most FSA/HSA-eligible red light therapy purchases don't need a Letter of Medical Necessity, but if a claim gets denied or you're treating a...
Dependent Care FSA vs. Healthcare FSA: Which One Covers Red Light Therapy?
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A Dependent Care FSA can't pay for red light therapy — only a Healthcare FSA or HSA can. Here's how to tell which account you...
Can You Return Something You Bought With an FSA or HSA Card?
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Yes, you can return an FSA or HSA card purchase — but the refund has to go back to the account it came from, not...
Why Is My FSA Asking for a Receipt After I Already Paid? Substantiation Explained
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Your FSA card clearing is not the same as your expense being approved. Here is why administrators request itemized receipts, what to send, and what...
HSA After 65: What Changes When You Enroll in Medicare
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Turning 65 doesn't take your HSA money away — enrolling in Medicare only stops new contributions. Your balance stays yours, tax-free for qualified medical expenses,...