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]

My HSA was established in January 2024 and funded since then till end of 2024, It was  managed by Bank of America.  I lost my job in 2025 January and cannot make contribution to it. But the balance in that account is always keep as $1000.

There is a medical expense incurred in March 2025 which is $1500. 

I got a new job in May 2025 and be able to make contribution to a  HSA again. But this account is managed by Fidelity.  Now I have $600 in this Fidelity account.

My question is how can I reimburse that $1500 medical expense by both previous HSA and current HSA account?

Can I combine these two HSA accounts into one? What will be the establish date for this combined account?

Thanks

[Mike9241]

you could rollover (transfer) the funds from the old HSA to the new one. The funds go from the old HSA to the new one.  Then once the funds are received in the new HSA submit a claim.  However, since you have medical expense in excess of what's in the old account, you could submit a claim to the old HSA for its balance and then a second claim to the new one for the reminder of your medical expenses