People change jobs and panic about their HSA, so let me settle it. Your HSA is your account. Leaving a job does not take it from you, and you can still use it for qualified medical expenses. What changes is whether you can keep adding money to it, and that depends on your coverage, not your employer.
Keeping an HSA is not the same as adding to it
You can keep an existing HSA and use it for qualified medical expenses after employment ends. New contributions depend on HSA eligibility, including qualifying coverage and other restrictions. A job change does not reset the annual limit. Count contributions across employers and accounts together.
Your FSA follows different rules
A health FSA is an employer arrangement, so get the dates in writing. Ask benefits staff for the last date an expense can be incurred and the last date a claim can be submitted. Those can be different dates. A claims run-out period is not automatically extra coverage time, and do not assume a remaining FSA balance transfers to a new employer.
Before your work login stops working
Download account statements, receipts, and the plan's reimbursement instructions before your last day. Replace a work email address with a personal one where appropriate, and record the administrator's contact details. Ask the HSA provider about fees your employer previously covered.
Questions people ask me about this
Do I lose my HSA if I become unemployed?
No. The existing account stays yours. Eligibility for new contributions is a separate question.
Can I still use my HSA money for medical bills after I leave?
Yes. Spending the balance on qualified medical expenses does not require employment or eligibility. Only contributions have eligibility rules.