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Your first contribution is subject to a 5-7 business day hold and may not be available for immediate withdrawal.
If you live in a common law or in a community property or marital property state and wish to designate someone other than your spouse as your primary beneficiary, see Am I required to list my spouse as the beneficiary if I am married?” for more information.
You can name more than one person as your primary beneficiary and more than one person as your contingent beneficiary. If you name more than one person, indicate the specific whole-number percentage of your balance to be paid to each beneficiary.
If you are married in a community property or marital property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin), you must designate your spouse as your primary beneficiary. If you wish to designate someone other than your spouse, contact us at support@HealthSavings.com or (888) 354-0697.
Otherwise, you may choose whomever you want to be the beneficiary of your HSA; however, only spousal beneficiaries are able to preserve the tax advantages upon a spouse’s death.
If designated as beneficiary of your HSA, your spouse will not be responsible for taxes on distributions for qualified medical expenses upon inheriting the account.
As beneficiary, your spouse becomes owner of your HSA, allowing him or her to:
If you fail to designate a beneficiary, or are married and name someone other than your spouse as beneficiary, the account ceases to be an HSA upon your death. As a result, the fair market value of the account becomes taxable in the year of your death for non-spousal beneficiaries.
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