Every medical bill you've paid out of pocket since opening your HSA is money you can still pay yourself back — there's no IRS deadline. Estimate your unclaimed pile in seconds.
Estimate only, based on typical out-of-pocket spend. Your actual reimbursable amount is the total of qualified expenses you've documented and not otherwise deducted. Not tax advice.
Get the free guide to every HSA/FSA-eligible expense — plus a tracker that turns your shoebox of receipts into a documented, tax-free reimbursement file.
Check your inbox for the eligibility guide. Now create your free account and start logging receipts — your unclaimed pile is waiting.
Create your free accountMost people pay medical bills out of their checking account and forget about them. But if you have an HSA, every one of those qualified out-of-pocket expenses is a tax-free withdrawal you can still claim — the IRS sets no deadline. This calculator estimates the size of that unclaimed backlog from your household size, typical annual out-of-pocket spend, and how many years you've been paying out of pocket. The real number is whatever you can document, which is exactly what Reimbursable helps you build.
There's no IRS deadline on HSA reimbursements. As long as the expense was incurred after you opened your HSA, you kept documentation, and you never otherwise deducted or reimbursed it, you can pay yourself back years — even decades — later. That backlog is money you're owed, tax-free.
Yes. The IRS requires documentation proving each withdrawal paid for a qualified expense. Keep itemized receipts and EOBs for every expense you intend to reimburse. Reimbursable stores them so your reimbursement file is always audit-ready.
If you can afford to leave the money invested, every dollar you don't withdraw keeps compounding tax-free. Your unreimbursed receipts act as a tax-free line of credit you can draw any time. See the math on our HSA ROI calculator.
Any expense for the diagnosis, cure, mitigation, treatment, or prevention of disease — defined in IRS Publication 502. This covers medical services, prescriptions, dental, vision, and more. Browse all 890+ items in our directory.