i use an HSA savings account to pay for out-of-pocket medical expenses through out the year because i have a qualifying healthcare plan. at the end of the year my bank sends me a form showing how much i've paid out in med bills and i turn it over to the guy who does my taxes.
my question is...let's say for some reason i pay some doctor bills with a check or cash instead of my HSA card. in this case the money i used to pay the bill was not from my HSA account, but my checking account....
so that makes me think the med bills i paid via checking account will not be able to be claimed as medical expenses.
*or how about people who sign up for the same account/healthplan in the middle of the year. for them any medical expenses paid prior to opening the account would not have the same tax break as those paid with the HSA account. am i making any sense?