HSA Cheat Sheet 2026

The 30 highest-yield HSA facts, distilled from real exam questions. Print it, save it as a PDF, or study it here — free, no sign-up.

1. What is a key advantage of investing HSA funds instead of keeping them in cash? → Investments can grow tax-free, maximizing long-term savings.
2. How should patient consent be obtained for quality improvement procedures? → Informed consent including risks, benefits, alternatives, and right to refuse
3. What happens to unused HSA funds at the end of the year? → They roll over to the next year and continue growing tax-free.
4. Which of the following correctly describes how Medicaid affects HSA eligibility? → Medicaid enrollment disqualifies an individual from contributing to an HSA
5. Can an individual contribute to an HSA after enrolling in Medicare? → No, HSA contributions must stop upon Medicare enrollment.
6. When can HSA funds be withdrawn without penalty? → Anytime, if used for qualified medical expenses
7. How does investing HSA funds affect long-term healthcare savings? → Long-term growth maximizes healthcare savings.
8. What quality improvement method applies to treatment protocols? → Continuous quality improvement using data-driven Plan-Do-Study-Act cycles
9. What privacy protection applies to ethics and confidentiality records? → HIPAA and applicable state laws protect all patient health information
10. What is a recommended strategy for managing HSA investments? → Keep a balance between cash savings and investments.
11. What privacy protection applies to documentation standards records? → HIPAA and applicable state laws protect all patient health information
12. What is the standard of care for ethics and confidentiality in clinical practice? → Evidence-based practice aligned with current clinical guidelines
13. At what age can an individual withdraw HSA funds for any reason without penalty? → 65
14. Which of the following individuals is eligible to open and contribute to an HSA? → A 45-year-old enrolled in a qualifying HDHP with no other disqualifying coverage
15. What is the standard of care for quality improvement in clinical practice? → Evidence-based practice aligned with current clinical guidelines
16. What is the maximum annual contribution limit for an individual HSA in 2024? → $4,150
17. A spouse's general-purpose Flexible Spending Account (FSA) that covers the employee's medical expenses affects the employee's HSA eligibility by: → Disqualifying the employee from contributing to an HSA
18. Can HSA funds be used to pay for health insurance premiums? → No, HSA funds cannot be used for insurance premiums, except in specific cases.
19. How are HSA earnings taxed? → They are tax-free as long as they remain in the account.
20. For 2025, what is the maximum out-of-pocket limit for a family High Deductible Health Plan (HDHP)? → $16,600
21. What interdisciplinary collaboration principle applies to infection prevention? → Coordinated team-based care improves outcomes and reduces errors
22. A limited-purpose Flexible Spending Account (LPFSA) that covers only dental and vision expenses is considered: → Compatible with HSA eligibility
23. What is the standard of care for infection prevention in clinical practice? → Evidence-based practice aligned with current clinical guidelines
24. An individual claimed as a dependent on another person's federal tax return is: → Ineligible to contribute to their own HSA
25. What quality improvement method applies to interdisciplinary care? → Continuous quality improvement using data-driven Plan-Do-Study-Act cycles
26. An individual receives VA health benefits for a non-service-connected condition. How does this affect their HSA eligibility? → It may disqualify them from HSA contributions for the months VA benefits were received
27. What is the standard of care for patient assessment in clinical practice? → Evidence-based practice aligned with current clinical guidelines
28. What interdisciplinary collaboration principle applies to treatment protocols? → Coordinated team-based care improves outcomes and reduces errors
29. Who can make contributions to an individual's HSA? → Both the account holder and the employer
30. What interdisciplinary collaboration principle applies to patient assessment? → Coordinated team-based care improves outcomes and reduces errors