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HSA Rollovers: Everything You Need to Know

Is an HSA rollover right for you?

By Christy Bieber – Updated Apr 1, 2025 at 1:49PM

Key Points

  • HSA funds are yours indefinitely and carry over yearly; you can move them via rollover or transfer.
  • Opt for a trustee-to-trustee transfer to avoid penalties and ensure funds are securely moved.
  • If changing HSA providers for better options, consider a rollover but adhere to the 60-day deposit rule.
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