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Message: [QUOTE="Jackalope, post: 2921146, member: 8"] Nan, this is exactly one of the great advantages of an HSA. You can pay out of pocket using a rewards credit card or whatever and then pay yourself back from your HSA [B][U]years[/U][/B] later. You need to save qualified receipts and EOBs that occured after the creation of the HSA in case the IRS decides to audit. In the meantime, your money can continue to grow tax free in the HSA indefinately. Read through the bogelheads link I posted in my previous message. That also has links to the appropriate IRS documents. [/QUOTE]