For 2025 tax year, I may request an HSA reimbursement for long term care premium up to $4,810 (I'm 68). Can I exceed that limit if I get reimbursed for prior years?

[BarneyB]

I would like to get reimbursed (in 2025) for long term care insurance premiums from years 2021-2025 (5 years).

[Mike9241]

The premiums for long-term care insurance that you can treat as qualified medical expenses are subject to limits based on age and are adjusted annually. Any excess over the 2025 limit would be a non-qualified distribution.

For HSA purposes, expenses incurred before you establish your HSA aren’t qualified medical expenses. State
law determines when an HSA is established.