The money in the HSA will grow tax-free and if it is used to pay for qualifying health care-related expenses it is not taxed when withdrawn. HSA funds roll over year to year if you do not spend them. An HSA may earn interest or other earnings, which are not taxable. Qualifying expenses include things like medical-related services as well as equipment and supplies, health insurance premiums and prescriptions, but can vary. Some HSA’s provide you with a debit card to pay for expenses out of pocket, and then get reimbursed.

It is important to keep in mind that if you withdraw money from an HSA before you turn 65 years old, and do not use it for qualifying medical expenses, it will be taxed, and you will pay a penalty. After age 65, you will pay only the tax, and no penalty if you withdraw money from the account for anything other than qualifying medical expenses.
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