State Savings Bank

What Happens to my HSA if I Die?

Tax rules differ depending on whether you name an HSA beneficiary and what that person's relationship is to you. If the beneficiary is your spouse, most frequently the account is treated as your spouse's HSA after you die. If the beneficiary is not your spouse, most frequently the HSA is closed and the beneficiary owes taxes on the funds. For specific guidance, consult your HDHP provider or a tax or legal professional.

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