You're describing an FSA, not an HSA, HSAs are not use-it-or-lose-it. FSAs and HSAs are different types of tax-advantaged accounts with different rules, but bo

You're describing an FSA, not an HSA, HSAs are not use-it-or-lose-it. FSAs and HSAs are different types of tax-advantaged accounts with different rules, but both can be used to pay medical expenses. There's also HRAs too that's another different type of tax advantaged account and can also be used to pay for medical expenses. This complexity is part of the problem.