[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-303680-105":53,"doc-detail-303680-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","everything-to-know-about-your-hsa-when-filing-your-taxes-optum-guide","Everything to know about your HSA when filing your taxes - Optum guide","","This guide explains how a health savings account (HSA) helps with tax-smart saving for qualified medical expenses. It outlines key tax advantages, introduces the main IRS forms connected to HSAs (Form 8889, 1099-SA, and 5498-SA), and clarifies which spending is eligible for tax-free treatment. 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Form 8889 is filed with IRS Form 1040 of your federal income tax return to report your total HSA contributions and distributions for the tax year. You can get this form by signing in to your account.  \n2. Form 1099-SA provides the total distributions that were made from your HSA during the year. If you had any distributions, Optum Bank® will send you this form in January. If you did not have any distributions, you will not receive this form.  \n3. Form 5498-SA reports the total contributions made to your HSA for the tax year covered by the form. Optum Bank will submit this form directly to the IRS, as required by law, and it’s typically available at the end of January. If you make additional contributions for the tax year, which is allowed up until the tax filing deadline (typically April 15), you will receive a second form. These forms are also available online when you sign in to your account.  \nConfused? Here it is in a nutshell:  \n• Form 8889 is the form that you fill out and submit with your tax return  \n• Form 1099-SA is informational and shows the amount of money that you spent from your HSA during the tax year  \n• Form 5498-SA is informational and shows the amount of money that was deposited into your HSA for the tax year  \nState taxes  \nContributions, account earnings/interest and distributions for qualified medical expenses are exempt from federal tax. While most states also exempt HSAs from taxes, it’s important to know your state’s rules. For example, California and New Jersey consider both contributions and account earnings/interest taxable. As these guidelines can change, it’s important to consult your tax or financial advisor for more information.  \nQualified medical expenses  \nTo take advantage of income tax-free spending/distributions, ensure your HSA funds are spent on qualified medical expenses. You can find a list of qualified expenses [at](at IRS.gov. When you make purchases or pay bills with your HSA funds)[ ](at IRS.gov. When you make purchases or pay bills with your HSA funds)[IRS.gov](at IRS.gov. When you make purchases or pay bills with your HSA funds)[. When you make purchases or pay bills with your HSA funds](at IRS.gov. When you make purchases or pay bills with your HSA funds), be sure to keep your receipts in case of an IRS audit. You can easily upload images of your receipts within your account portal and organize them into folders.  \nRemember that any HSA funds used to pay for goods or services that are not qualified medical expenses are taxable income. And, if you are under age 65, they can be subject to an additional 20% tax penalty.  \nReminder  \nFor 2025, you have until the tax filing deadline of April 15, 2026, to contribute to your HSA.  \n[optum.com](optum.com)  \nOptum Financial is a registered trademark of Optum, Inc. in the U.S. and other jurisdictions. All other brand or product names are the property of their respective owners. Because we are continuously improving our products and services, Optum reserves the right to change specifications without prior notice. Optum is an equal opportunity employer.  \nHealth savings accounts (HSAs) are individual accounts offered through Optum Bank®, Member FDIC, or ConnectYourCare, LLC, an IRS-Designated Non-Bank Custodian of HSAs, each a subsidiary of Optum Financial, Inc. Neither Optum Financial, Inc. nor ConnectYourCare, LLC","cbCaioZZI3IEY8PT","https://ap.wps.com/l/cbCaioZZI3IEY8PT","pdf",57659,"English","# Know your tax forms\n## Form 8889\n## Form 1099-SA\n## Form 5498-SA\n# State taxes\n# Qualified medical expenses\n# Reminder","[{\"question\":\"Which IRS forms are associated with HSAs for tax filing?\",\"answer\":\"Form 8889 reports HSA contributions and distributions with your federal tax return. Form 1099-SA provides total HSA distributions during the year, and Form 5498-SA reports total contributions for the tax year.\"},{\"question\":\"Are HSA contributions and qualified withdrawals taxed federally?\",\"answer\":\"Contributions, account earnings/interest, and distributions for qualified medical expenses are exempt from federal tax. Non-qualified spending is treated as taxable income.\"},{\"question\":\"How do state tax rules for HSAs work?\",\"answer\":\"Many states follow federal exemption, but some states tax HSA items. The guide highlights that California and New Jersey may treat contributions and account earnings/interest as taxable.\"}]","Everything to know about your HSA when filing your taxes - Optum guide | PDF",1789806128]