Is hospital indemnity insurance worth the cost for retirees?

Direct answer

No, unlike a Flexible Spending Account (FSA), the funds in your HSA roll over indefinitely from year to year, meaning they do not expire as long as the account remains open.

Federal regulatory statutes governing the portability and long-term ownership of Health Savings Accounts. For additional information about HSA portability and ownership rules, see the IRS Publication 969.


What this means for you

No, unlike a Flexible Spending Account (FSA), the funds in your HSA roll over indefinitely from year to year, meaning they do not expire as long as the account remains open.

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This page is informational and not a coverage guarantee or quote.

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