HSAMatch pairs what your insurer said you owed with the bank payment that settled it, then keeps the proof. Every medical bill you ever paid yourself becomes money you can take back, tax-free, whenever you like.
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A receipt shows a bill existed. A tax-free withdrawal needs more: what you owed, that you paid it from your own money, and that no other tax benefit was taken. HSAMatch keeps all three, paired, for every expense.
What the insurer said you owed, read from the EOB, the claims list on the member portal, or the insurer's own feed.
The bank or card record that you paid it, from a linked account or a statement of any year, with the institution's own identifiers.
That the year's return took no double benefit, with the custodian's 1099-SA reconciled against what you withdrew.
Amounts, dates and names are checked in cents. When they agree, the pairing is proposed with its reason and a confidence. When they do not, the AI can suggest one, the server re-checks the arithmetic, and the row waits for you. Nothing joins the ledger on its own.
How the matching worksTick one installment and choose repeating: every later installment joins on its own, and the row reads five of twenty-six paid. A dentist's prompt-pay discount, or a plan that reimburses you instead of the provider, is a rule you set once.
Why the pairing is the whole audit
Connect the custodian or enter the balance by hand. Contributions against the year's limit, holdings by kind, dividends and withdrawals, and the number that matters on the first screen: withdrawable today, tax-free.
What keeping track is worth
Each expense with its EOB, its payment record, its retrieval trail and the tax-year attestation, in the language of IRC §223, Notice 2004-50 and Rev. Proc. 97-22. One print button, and every export is free, on every plan, forever.
What the packet proves
EOBs from the insurer portal, the claims list, a scanned stack of mail, or the insurer's feed. Payments from a linked bank or any year's statement.
Each claim beside the payment that settled it, with a reason and a confidence. Plans, discounts and reimbursements follow the rules you set once.
Confirm the pairings, record how you filed, and withdraw now or decades later. The packet prints the day anyone asks.
Paid plans will come with the next stage. Whatever they hold, the free plan keeps every export, so your records are never hostage.
No. HSAMatch keeps the records that substantiate a tax-free withdrawal. What to withdraw and when is your call, or your advisor's.
Yes. Upload EOB PDFs, import the claims list from the member portal as CSV or PDF, scan a stack of mail as one PDF, or forward emails. The feed is one door among five.
Bank links bring about two years of payments; statements import any year. Insurer feeds publish claims back to 2016 where the plan supports the federal Patient Access rule.
Nothing while in preview. Paid plans will come, and every export stays free on every plan.
One click exports every document byte for byte, all data, the packet and a manifest of fingerprints. A record system you cannot leave is a record system you cannot trust.
One EOB and one statement are enough to see it pair. The rest is history you already paid for.