IRA to HSA rollover
Once per lifetime
Can You Write Off IRA to HSA Rollover?
Short answer: Once in your life you can move IRA money to an HSA tax-free, up to that year's HSA limit, if you stay HSA-eligible for 12 months.
2026 HSA limits are $4,400 self-only and $8,750 family (plus $1,000 at 55+); withdrawals for qualified medical costs are tax-free.
Records to keep: Keep receipts, statements (1098, 1098-T, 1099, W-2G), and a note of what each cost was for. Compare itemizing to the 2026 standard deduction before you claim.
IRA to HSA rollover
Once per lifetime
Individuals / Personal Taxes
Once in your life you can move IRA money to an HSA tax-free, up to that year's HSA limit, if you stay HSA-eligible for 12 months.
Business justification
Once in your life you can move IRA money to an HSA tax-free, up to that year's HSA limit, if you stay HSA-eligible for 12 months. 2026 HSA limits are $4,400 self-only and $8,750 family (plus $1,000 at 55+); withdrawals for qualified medical costs are tax-free.
Category
- Personal Tax Deductions