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Werewolfdad t1_iu61t4e wrote

Can you afford to pay for it out of pocket? If so, do that and just leave the hsa funds until you truly need them

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SonoftheMorning OP t1_iu62b1q wrote

It’s a $12,000 procedure unfortunately. I could pay out of pocket to do it right now but I’m hoping to buy a house in the somewhat near future. I have a good chunk of the procedure cost in my HSA and the game plan is to pay a small amount out of pocket to get the procedure done this time next year.

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Werewolfdad t1_iu62icx wrote

Then don’t invest because you may have less money then than now.

Or buy something risk free like treasuries.

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SonoftheMorning OP t1_iu65wlc wrote

Thanks for the advice. I don’t believe I can use HSA funds for treasury bonds.

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Werewolfdad t1_iu665og wrote

Why not? They can be bought in any brokerage account

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SonoftheMorning OP t1_iu66jys wrote

Good point. I have not looked into it, but I assume I could do that if I moved my HSA funds from Optum to Fidelity. Through Optum, I’m limited to index funds.

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