If I do a HDHP next year and contribute to a HSA, what happens to my HSA if I want to go back to a LDHP the following year or a few years later?

Posting as :
works at
You are currently posting as works at

HSAs rollover year to year. You never lose your money. If you enroll in another plan (like a PPO or HMO) that is not a qualified high deductible health plan, you can use your funds in your HSA but you can no longer contribute to your HSA.


Yeah of course!


One point. If you open an HSA mid year, you can only contribute a prorated portion of the IRS max. If you contribute more, that can be OK, but you would need to be HSA-eligible for the duration of the following year. In other words, you couldn't join a HDHP in September, contribute the max $3,550 or whatever, and then go back to a non-HSA-eligible plan in January.

Related Posts

Ben Shapiro reciting the lyrics to “WAP” is a modern example of Foucault’s concept of incitement to discourse.

Prove me wrong.


Any firm willing to sponsor an H-1 for an experienced senior coming in from Europe? Looking for a change and different experience.


The HR said that BNP PARIBAS will blacklist me if I decline the offer.
Is it really gonna happen? What can I do to avoid this?BNP Paribas CIB

How do you go about answering the question "why do you want to work for our company"?

Do you look up the company's recent news and social media? Read over their mission statement? Sometimes I feel like this method is kind of disingenuous.

I prefer to be asked why do you want this job, because I can genuinely say things that I like about the role.



How much does a cyber manager in KPMG uk make? In London and in regional locations ?


Thoughts on increasing apartment spend from 20% of take home to 30% of take home? I invest 15% in 401k and an extra 2k/month after that. Outside investing would likely reduce to 1500/month. I have been spoiled with low rent (currently have 2 roommates) but looking to move in with bf. 30F.


Hello everyone, anyone aware about Kyndryl Brno Czech Republic? I am expecting an Job offer for this location? How is Czech Republic? Is it good option to move ?


What do you guys think of belt bags worn across your chest? Is it stylish or weird?


Looking for a referral to remote CPA or financial analyst roles in EMEA for my husband. Any leads?


What are the side hustles that you can do along with your job to have steady and small income?


Has anyone had part of their student loans forgiven, if so how much was it and what was the name of the forgiveness program?
My wife did, 5000 and I cant remember the name of the program.


Hello everyone, this appl has been very helpful so far. I'd like to start reaching out to people in the chats, so please like my post so I can have that access.


Looking for a "Gym Buddy" Im a female 5"2 and 170 punds.

I can get myself to go to the gym but if we can create a little group maybe where we c an check with eachother maybe ??


Hi folks,

I have completed my HR interview with Bosch in September and I didn't recieve any offer letter yet. HR says you are selected but the position you are selected is on hold so you should wait for some more time. Can you guys suggest what should be done. Thanks in Advance.


Female looking to buy and gently used / preowned Small SUV. I am a Toyota Prius kind of person and looking to find an suv that will work for me. I haven’t looked at other models but currently leaning towards a Lexus. Any recommendations or suggestions from SUV owners? Couple no kids

I am very interested in upgrading to a masters degree, preferably abroad. I have no clue to go through and understand the process of tests and admissions. Can anyone please share a starting point to start exploring.
Love to be a part of a group in case anyone plans to prep as well.


É possível ser gerente em uma MBB e trabalhar menos de 55h semanais? {em +- 80% das semanas, claro que sempre terão exceções)

I don’t know who needs to hear this, but reach out to your sponsor. They’ll appreciate it. :)


New to D. Does the company typically do anything for employees for thanksgiving or the holidays? Like gift cards or a bonus?


Could you fishes help me to get 11 ❤️ for dm?


Additional Posts in Employee Benefits

How do you get the free fitbit through EHE? Trying to schedule the annual check up but does not offer anything. There was the same question last week but can not find the thread. Thanks


Hi. Does anyone know if there is anyway to take out money from the paycheck for day care expenses..have heard sth but not clear and not sure how it would work..thanks!

I joined EY this week. May i know whether are any good benefits to know during the first few months?


How long did it take to get the CPA bonus once the form was submitted?

Does Deloitte offer MacBook? Can I tell the recruiter to get a MacBook so he can help get all approvals? I have a Mac right now at EY


At EY is I was reimbursed for a stationary bike 2 years ago. Would EY reimburse me for a road bike this coming year? There's a stipulation that says every 5 years but I'm not sure if that means for another stationary bike or if I can get a road bike and be reimbursed.


Do you get your annual raise if your on leave of absence from December to January?


Alt/Flex travel benefits and rules?


What kind of laptop do you get in ACN Strat?

So do any of the other big 4 have pension plans like EY?


What’s the best benefit at your firm?


What are some key benefits questions to ask/consider when evaluating a job offer? Any nuanced/not so obvious ones that you’ve found insightful, especially for those thinking of starting a family soon? Thanks!


What are some of the best management consulting firms to work for in San Francisco?

PwC 🐠: using a paycheck calculator to estimate what will hit my bank account on payday. I have the 401k number, medical ($92 for high deductible), HSA, and FSA numbers. What else will be deducted?

Is the iPhone Upgrade Program w/ Apples’ monthly expense reimbursable under EY policy? Like for the monthly $60 reimbursement?


Are Deloitte benefits good?


Sweetest company benefit?


Hi! I just received a job offer that includes a sign on bonus to cover the cost of a certification that I’m getting (study program and exam fees). My offer letter states that the appropriate withholding and tax will apply. I’m not sure what that means - does anyone know if this amount should be tax free because of its purpose? It’s not a bonus or anything. I want to make sure I have a general idea before I ask HR about it.


Does anyone know if Accenture offers an orangetheory fitness discount? And how big the discount is?


New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here


Embed this post

Copy and paste embed code on your site


Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Send download link to your phone


Scan your QR code to download
Fishbowl app on your mobile

By continuing you agree to Terms of Use and Privacy Policy.

Messaging rates may apply

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or