What happens to the money in my HSA when I die?

It depends on who you named as the beneficiary. If your spouse is designated as the beneficiary, your spouse is eligible to become the owner of the HSA. If the designated beneficiary is not a spouse, the HSA funds are disbursed to the non-spouse beneficiary. If you don’t designate a beneficiary, the HSA funds are disbursed to your estate. HSA monies are taxable income for all non-spouse beneficiaries and your estate.

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