How can I combine two HSA into one? How can I reimburse medical expense incurred after the establishment of first HSA but after second HSA?

---

@danilol wrote:

Can I transfer money from my new HSA account when it built up to the old HSA account to pay off that medical expense?( balance in old HSA account+ funds transferred from new HSA account)

Thanks

---

Yes, but you also don't have to, as explained.

As long as you owned Account #1 since January 1, 2024 through today, all your medical expenses after January 1, 2024 are qualified for reimbursement, even if they occurred during Spring 2025 when you owned account #1 (but were not able to contribute) and before you opened account #2.  Expenses that occurred after opening account #2 are also reimbursable from account #1 without doing a transfer.  The only thing that matters, is did the expense occur after you opened account #1.  

So you could simply withdraw all the funds from account #1 to pay for any expense that occurred any date after 1/1/24, even if the expense occurred while account #2 was also open.

If you want to do a transfer (this is similar to an IRA rollover), contact the bank for account #1.  Tell them you want to do a direct rollover or transfer to account #2 and then close account #1.  The bank holding account #1 will need the account number at bank #2 and possibly some other information, and then bank #1 will either mail a check directly to bank #2 for your account, or will do the transfer electronically.