Of course you can. No one audits this shit. Even in the event uncle Sam audits and disallows it is a whoops.
I would try it.
You.. can be a millionaire.. and never pay taxes! You can be a millionaire.. and never pay taxes! You say.. "Steve.. how can I be a millionaire.. and never pay taxes?" First.. get a million dollars. Now.. you say, "Steve.. what do I say to the tax man when he comes to my door and says, 'You.. have never paid taxes'?" Two simple words. Two simple words in the English language: "I forgot!" How many times do we let ourselves get into terrible situations because we don't say "I forgot"? Let's say you're on trial for armed robbery. You say to the judge, "I forgot armed robbery was illegal." Let's suppose he says back to you, "You have committed a foul crime. you have stolen hundreds and thousands of dollars from people at random, and you say, 'I forgot'?" Two simple words: Excuuuuuse me!!"
The best use of an HSA, if you can afford it, is to use it as a "stealth IRA". This requires you to invest your hsa balance, pay for medical bills out of pocket, and save your medical receipts for later disbursements, after compounding.
I'm doing a family pre-tax max-out ($7,650 this year).
Quote from: MikeBear on March 29, 2015, 03:53:01 AMI'm doing a family pre-tax max-out ($7,650 this year).If you have a spouse, you are leaving $1,000 on the HSA table - your actual max is $8,650. See http://forum.mrmoneymustache.com/post-fire/hsa-contribution-limit-for-the-mfj-55-crowd/.