Direct answer
Your HSA is entirely portable, meaning the account stays with you regardless of changes in employment or insurance coverage, as the funds are owned solely by you.
Treasury Department guidelines on individual ownership of Health Savings Accounts. For official guidance on the portability and ownership rules of these accounts, see the Internal Revenue Service’s Publication 969.
What this means for you
Your HSA is entirely portable, meaning the account stays with you regardless of changes in employment or insurance coverage, as the funds are owned solely by you.
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