You can invest excess HSA funds to help grow your future healthcare savings. Your investment returns and earnings are all tax-free.
Once you reach age 65, you can use these funds tax-free for eligible healthcare expenses. You can use the funds for ineligible healthcare expenses; however, you’ll be subject to your regular income tax rate*.
You are in complete control of your HSA investments through HSA Central. Even better, you can set up your healthcare savings so that funds are automatically invested when you exceed the minimum $3,000 cash balance threshold for your HSA. Here’s how easy it is: