Can I use my HSA to pay for medical expenses incurred before I set up my account?

No. You cannot reimburse qualified medical expenses incurred before your account was established. As soon as your account is opened and there is money in it, you can use the account for eligible expenses incurred any time after your account opening date.

Regulations require the bank to confirm our identity before our account can be opened. You may be asked to provide support in the form of a driver’s license or other legal proof of who you are.