Carry-Forward Policy

Our HSA has a one-year carry-forward policy. This means that if you don’t use your full HSA balance by December 31 of a given plan year, it will be carried forward to the next year. If you don’t spend that carryover by the end of year two, you lose it!

Note: AGA offers a 60-day period at the beginning of the year to submit HSA claims for expenses incurred in the previous year. After this grace period, no claims from the previous year can be reimbursed under the HSA, and the remaining amount will be used for claims incurred in the current year.