Guides
Comparisons and how-to explainers, for the questions that need more room than a single ruling page.
HSA vs. FSA: What Actually Changes When You Switch
How to Claim HSA/FSA Reimbursement Retroactively
What a Letter of Medical Necessity Actually Requires
Can a Gym Membership Get HSA/FSA Approved? What the LMN Has to Show
Does Your State Tax Your HSA? California and New Jersey Are Different
HSAs for the Self-Employed: What's Different When There's No Employer
What Happens to Your HSA at 65 — and the 6-Month Mistake That Trips People Up
How HSA Contribution Limits Actually Work for Married Couples
HSA Contribution Limits: The Current Numbers, Sourced Directly
Texas HSA Tax Rules: Why There's Nothing Extra to Track
Florida HSA Tax Rules: Built for Long-Term, Post-Retirement Growth
Pennsylvania HSA Tax Rules: One of Only Four Deductions the State Allows
Illinois HSA Tax Rules: A Flat Rate Makes the Math Simple
Ohio HSA Tax Rules: Protected at the State Level and the Local Level
Georgia HSA Tax Rules: One Flat Rate, Zero Local Complexity
HSA Tax by State: The Complete 50-State Reference
North Carolina HSA Tax Rules: Conforms Today, With One Real Catch
Michigan HSA Tax Rules: A Rate That's Recalculated Every Year
Virginia HSA Tax Rules: A Conformity Change Worth Knowing About
New York HSA Tax Rules: The State Conforms, New York City Doesn't
Maryland HSA Tax Rules: Why the County Tax Can't Diverge From the State
Indiana HSA Tax Rules: All 92 Counties, One Shared Tax Base
Arizona HSA Tax Rules: The Lowest Flat Rate of Any Flat-Tax State
Colorado HSA Tax Rules: Flat, Simple, Fully Conforming
Wisconsin HSA Tax Rules: Graduated Brackets, No Local Tax Layer
Minnesota HSA Tax Rules: One of the Few States Still Raising Rates
Missouri HSA Tax Rules: A Declining Rate and a Rare Capital Gains Exemption