Unlock HSA
Keep your HSA working for tomorrow.
Your HSA can do more than pay today’s bills: invested funds can keep working for future care. Unlock HSA helps preserve the estimates, EOBs, bills, receipts, billing gaps, notes, and audit support packages you may need for possible qualified HSA reimbursement later.
Recordkeeping and workflow tools. Not tax, legal, investment, or medical advice.
For eligible users, an HSA can be more than a spending account. Some HSA users choose to pay qualified medical expenses out of pocket and keep HSA funds invested when appropriate.
Organized records can help preserve support for possible future reimbursement, including what was paid, when it was paid, who it was for, receipts and EOBs, reimbursement status, and whether it was reimbursed elsewhere.
Start a Care Folder
Save treatment plans, estimates, provider questions, and related planning notes before care begins.
Add bills and EOBs
Link bills, EOBs, receipts, and proof of payment as the care and paperwork arrive.
Create expense records
Review suggested details and confirm the HSA expense records you want to keep.
Track reimbursements
Track documented paid, reimbursed, and unreimbursed amounts over time.
Keep support ready
Use portable records and audit support packages for your own review if you reimburse later.
Most HSA custodians provide a way to reimburse yourself for qualified medical expenses, but the interface differs by provider. Some use a direct transfer flow, while others route users through a reimbursement request flow.
A single HSA distribution can be supported by one or more previously paid qualified medical expenses if you maintain itemized records and receipts showing the distribution was for qualified medical expenses. Unlock HSA is designed to store the underlying receipt history, expense details, and reimbursement support that users rely on for their own records.
Some HSA custodians, including HealthEquity, allow reimbursement requests and payment by check or electronic transfer.
You may optionally add a short memo in your custodian portal for your own reference, but keep the full itemized ledger and receipts in your records.
A grouped reimbursement entry might look like this in practice.
Used when one reimbursement request covers multiple documented qualified medical expenses.
Unlock HSA is built to store the real supporting records and receipt history. For many HSA custodians, including HealthEquity, uploading receipts is not required to request an HSA reimbursement, but you should keep receipts in your own files. FSAs and HRAs are different and often require documentation to be submitted.
Your HSA custodian reports distributions on Form 1099-SA. When you file, you report HSA distributions and qualified medical expenses on Form 8889. You generally do not send receipts with your return, but you must keep records that substantiate qualified medical expenses if asked.
For example, if you withdrew $10,000, the custodian-reported line would conceptually look like this:
Form 1099-SA
Gross distribution: $10,000
Distribution amount
This is the key item generally reported by the custodian.
That reported amount is the key item coming from the custodian. The supporting receipts and documentation remain your responsibility to keep in case you are ever asked to substantiate that the distribution was for qualified medical expenses.
Even if you are never asked for receipts, IRS rules require you to keep records sufficient to substantiate that distributions were for qualified medical expenses.
The bigger risks are usually weak documentation, duplicate reimbursement, double-dipping, or mismatches in recordkeeping. Unlock HSA helps users keep organized records, reimbursement history, and supporting documents in one place.
You own your documentation
Keep your own supporting records instead of relying on portal memory.
Provider independent
Maintain continuity even if your HSA custodian changes over time.
Connected cloud copies
Keep additional copies in Google Drive or Dropbox without giving up the app-managed recordkeeping layer.
Audit support trail
Keep receipts, history, and supporting notes easier to review if asked.
Unlock HSA helps users do more than store receipts. It connects planning documents, provider questions, expected billing, actual expenses, and long-term reimbursement history that can be difficult to reconstruct years later.
Some users choose to keep HSA funds invested while using Unlock HSA to maintain documentation over time. Unlock HSA helps support that approach by tracking expense history, reimbursement history, and documented unreimbursed amounts that may support later withdrawals.
For users who want flexibility later in life, Unlock HSA makes it easier to identify documented expenses that could support withdrawals during life and helps keep records organized for the people who may one day need to help manage finances.
Unlock HSA helps you keep the records, history, and audit trail that your HSA custodian usually does not.
Unlock HSA keeps an app-managed copy of the records it needs so previews, OCR, review workflows, Smart Withdraw planning, and audit packages continue to work reliably.
You can also keep additional copies in Google Drive or Dropbox and download audit package exports today. Broader full account export portability is planned.
Use Unlock HSA as your documentation and workflow layer, independent of any one provider.
Unlock HSA is designed to help you organize and protect your records. We do not sell your personal information or uploaded document data. Key sensitive reimbursement and Intake details are encrypted at rest in the database, reducing exposure if someone accessed raw database contents directly. Unlock HSA keeps the app-managed records it needs to operate the service, and files stored through connected cloud services such as Google Drive or Dropbox remain subject to those provider accounts and controls. Your uploaded documents, expense data, and account information are not used to train or fine-tune large language models; they are processed only to provide Unlock HSA features.
Security is not magic, and good account hygiene still matters. We recommend strong passwords, careful protection of your email and connected storage accounts, and secure handling of any files you export or store elsewhere.
No. Unlock HSA provides recordkeeping, workflow, and educational tools. Users are responsible for determining eligibility, contribution limits, and whether expenses qualify under applicable rules.
No. Unlock HSA is designed to help you organize and protect your records, not monetize them. We do not sell your personal information or uploaded document data. You remain in control of your documents, including files stored through connected cloud services such as Google Drive or Dropbox. Your uploaded documents, expense data, and account information are not used to train or fine-tune large language models; they are processed only to provide Unlock HSA features.
Yes. Unlock HSA encrypts key sensitive fields at rest in the database, including expense details, reimbursement notes, audit package snapshots, intake review summaries, document-analysis payloads, and inbound email body content. Smaller operational metadata fields remain plaintext.
It means covered sensitive details are encrypted before they are stored in the database rather than kept there as readable plaintext. The app decrypts them only when needed for your view or processing.
It adds meaningful protection for covered fields because those values are not stored as readable plaintext in the database. Security is still layered, not magic. It does not mean every field everywhere is encrypted, so strong account hygiene and careful handling of connected storage still matter.
For many HSA custodians, uploading receipts is not required to request an HSA reimbursement, but you should keep receipts in your own files. FSAs and HRAs are different and often require documentation to be submitted.
Unlock HSA is designed to help users track documented unreimbursed expenses and reimbursement history more clearly. Users remain responsible for deciding whether and when an HSA reimbursement is appropriate.
Yes. Unlock HSA keeps an app-managed source-of-record copy so previews, OCR, review workflows, and audit packages keep working. You can also connect Google Drive or Dropbox to keep additional cloud copies for portability and backup.
Annual audit package exports are available today. Broader full account export is planned so you can keep a portable archive of your records outside the app too.
