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Your HSA remains yours when you change jobs. You keep control of the funds and account.
Contributions from your former employer stop. You can continue contributing on your own terms.
HSAs are portable. You can use the funds with any employer, regardless of their specific health plans.
If your new job offers an HSA, you can continue using your existing account or open a new one.
Funds in your HSA still grow tax-free and withdrawals for eligible expenses remain untaxed.
Annual contribution limits still apply, regardless of job changes. Be mindful of your total contributions.
Use your HSA funds for qualifying medical expenses anytime, irrespective of your employment status.
Unspent funds in your HSA roll over year to year; there's no 'use it or lose it' policy.
Consider integrating your HSA into your broader financial and health insurance planning.