Guides
A knowledge base on keeping the records that matter: HSA receipts, warranties, home improvements, and long term preservation.
HSA & medical records
- Do you need to keep HSA receipts?IRS rules, how long to keep them, and the easy way to never lose one.
- What counts as a qualified HSA medical expense?The IRS definition, what qualifies, what usually doesn't, and how to check.
- Are vitamins HSA eligible?The general rule, prenatal vitamins, and the letter of medical necessity.
- Are health insurance premiums HSA eligible?The general rule and the four exceptions: COBRA, unemployment, long-term care, and Medicare.
- What is a letter of medical necessity?What it includes, who can write it, how long it lasts, and when a dual-purpose expense needs one.
- Are gym memberships HSA eligible?The general rule, the health-club-dues exclusion, and the narrow case where a program fee can qualify.
- HSA reimbursement rules: how and when to pay yourself backNo time limit, the three conditions, the establishment-date trap, and how to take the distribution.
Storage & preservation
- How long should you keep receipts?A retention guide by record type: taxes, warranties, insurance, home cost basis, and HSA.
- How to build your own long term receipt archiveA step by step system for capturing, organizing, backing up, and preserving receipts.
More guides on warranties, home improvement records, insurance claims, and taxes are on the way. The goal is simple: long term records matter, and here's how to preserve them.