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HDHPs and HSAs: Impact & Clarifications

Has the deadline been extended for tax year 2019 HSA contributions?

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Yes. Contributions may be made to HSAs, for a particular year, at any time during the year or by the due date for filing your tax return for that year. Because the due date for filing Federal income tax returns is now July 15, 2020, under this IRS relief, contributions may be made to HSAs for 2019 at any time up to July 15, 2020.

 

Helpful Resources

IRS: Filing and Payment Deadlines Questions and Answers (see section on Health Savings Accounts (HSAs) and Archer Medical Savings Accounts (MSAs))

 

Claremont Insurance Services and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

Did the CARES Act expand the list of HSA qualified medical expenses?

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Yes. 

The CARES Act repealed the prescription requirement for over-the-counter (OTC) drug and medicines to be considered HSA qualified medical expenses. Now OTC drugs and medicines not prescribed by a physician can be reimbursed pre-tax. 

In addition, menstrual care products now qualify for reimbursement. The CARES Act adds tampons, pads, liners, cups and sponges as qualified medical expenses. 

The addition of OTC medication and menstrual care products became effective 1/1/2020 and has no expiration date. 

Claremont HSA partner Sterling Administration provides this advice to HSA accountholders: 

“We expected merchants to start adopting changes for OTC items around April 15 and menstrual care products around May 15. However, merchants may take up to a month to complete the changes that will allow consumers to purchase these items with a card swipe. 

If consumers try to purchase these items with their benefits card before systems have been updated and the transaction is denied, they can submit a claim for reimbursement.” 

 

Helpful resources 

SHRM: How are HSAs, FSAs and HRAs affected by the CARES Act? 

 

Claremont Insurance Services and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

Can HDHPs provide first dollar coverage for Covid testing and treatment?

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Yes, the IRS has advised that high-deductible health plans (HDHPs) can pay for 2019 Covid-19 -related testing and treatment, without jeopardizing their status. This also means that an individual with an HDHP that covers these costs may continue to contribute to a health savings account (HSA).

 

Helpful Resources

US Internal Revenue Service (IRS)
Coronavirus Tax Relief web page, including the news release and guidance relating to HDHP coverage of Covid-19 testing and treatment.

 

Claremont Insurance Services and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

Can HDHPs provide first dollar coverage for telehealth services?

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Yes, the IRS has advised that high-deductible health plans (HDHPs) can pay for 2019 Covid-19 -related testing and treatment, without jeopardizing their status.

In addition, the CARES Act allows “telehealth and other remote care services” below the deductible to be permitted in an HSA-compatible high deductible health plan (HDHP). This provision is effective immediately and will expire December 31, 2021.

This also means that an individual with an HDHP that covers these costs may continue to contribute to a health savings account (HSA).

 

Helpful Resources

US Internal Revenue Service (IRS)
Coronavirus Tax Relief web page, including information of the refundable tax credits available under the FFCRA.

 

Claremont Insurance Services and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.