How do I use my health debit card?
Asked by: Betsy Jones | Last update: January 3, 2026Score: 4.4/5 (8 votes)
How do I use my HSA debit card?
You can use it just like a regular debit card for transactions in-store, online, at the doctor, and at other medical merchants. Digital Wallet - Use your card through your preferred mobile wallet: Apple Pay®, Samsung Pay, or Google Wallet™.
How does a health insurance debit card work?
How to use my Healthcare debit card. You use your FSA healthcare card and spend FSA funds to pay deductibles and copayments, but not for insurance premiums. Your Healthcare Flexible Spending Account (FSA) debit card* makes it quick and easy to pay for eligible healthcare expenses.
Can I use my HSA debit card for groceries?
The short answer is no. According to current IRS regulations, groceries are not considered a qualified medical expense and therefore cannot be paid for using HSA funds.
How do I use my health benefit card?
When paying for your healthcare services, hand your Benefits Card to the front desk. The system will automatically approve services that match your copay from your benefit plan. You will not have to submit supporting documentation for these services.
What Can the HSA Debit Card Buy? (What Can You Purchase with HSA Funds?)
Can you buy groceries with a healthy benefits card?
Healthy benefits are increasingly being made available through health care providers, technology companies, employers, government agencies, and more. Many of these distributors offer benefits through cards that function like prepaid debit cards, allowing purchases of select grocery items or wellness products.
Can I withdraw money from my health card?
Your HSA can also function as a backup emergency fund, letting you withdraw tax-free cash when you really need it. You can only do this if you delay reimbursing yourself for previous medical expenses you paid out of pocket for.
Can I swipe my HSA card for gas?
No. Our card helps you stay in compliance with IRS rules and can be used at health related merchants and vendors to pay for your eligible health expenses. Even if you accidentally try to use your HSA card for a tank of gas, or movie tickets, your HealthEquity debit card won't let you make that mistake.
Can I use my HSA debit card at Walmart?
Walmart. Browse products that you can purchase online or in store using your HSA or FSA card.
What happens if I accidentally use my HSA card for food?
Yes, you read that correctly—even if you accidentally paid for a burger with your HSA debit card, you will have to report it on your annual income tax return and pay taxes on it. If you're under 65 and spend the money on unqualified purchases, you must also pay a 20% penalty on top of the income tax.
How do you use debit card benefits?
You can make online payments; pay bills, shop on e-commerce platforms, recharge for services, etc. You can pay at point-of-sale (POS) terminals in brick-and-mortar stores. You can customise spending limits. Some Debit Cards may come with airport lounge access.
Why did my health insurance send me a debit card?
A debit card may be issued if you are participating in one of the above plans (FSA, HSA or HRA). Debit cards are accepted wherever VISA is accepted and is an extremely efficient way to pay for uncovered health expenses such as co-pays, deductibles, medical supplies and prescription drugs.
What is the health benefit debit card?
A Benefits Debit Card allows you to pay for eligible expenses such as prescriptions and copayments, using the funds in your Healthcare Flexible Spending Account (HCFSA), Limited Purpose Flexible Spending Account (LPFSA), Health Reimbursement Arrangement (HRA), or Health Savings Account (HSA).
Do I need a PIN for my HSA debit card?
Your HSA Bank Health Benefits Debit Card provides access to your HSA funds at point-of-sale with signature or PIN and at ATMs for withdrawals.
Can I use my HSA debit card at a gas station?
Like your old HSA debit card, the new BenefitWallet debit card can only be used at certain locations. For example, you can use your card at a pharmacy or doctor's office, but not at a gas station. This is to help ensure that you use your HSA funds for qualified expenses and avoid potential tax penalties.
Why is my HSA card being declined when I have money?
Card declines can occur because funds have expired, new cards have been issued, the card does not have sufficient funds or various other reasons. You typically find the contact information for your plan administrator on the back of your FSA/HSA card.
Can I buy groceries with my HSA card?
No, you can't use your Flexible Spending Account (FSA) or Health Savings Account (HSA) for straight food purchases like meat, produce and dairy. But you can use them for some nutrition-related products and services. To review, tax-advantaged accounts have regulatory restrictions on eligible products and services.
Can you use HSA debit card for anything?
There are multiple ways you can spend from your HSA. Pay for qualified medical expenses anytime with a swipe of your card. Receive and pay bills for qualified medical expenses. Get money back for medical expenses that you paid out of pocket.
Can you withdraw money from HSA debit?
Yes, you can use your Associated Bank HSA Debit Mastercard® to withdraw cash to pay for eligible expenses or reimburse yourself for expenses you have already paid. Associated Bank ATMs are always fee-free.
What can I not use my HSA card for?
Generally, you can't use your HSA to pay for expenses that don't meaningfully promote the proper function of the body or prevent or treat illness or disease. Nutritional supplements and weight loss programs not prescribed by a physician are examples of expenses that would not be covered by your HSA.
Can I run my HSA card as credit?
In order for your card to work, you must have the balance available in your HSA; no overdraft is available. Please note: The card will not work at ATMs and will only work at appropriate medical facilities. The card should always be run as 'credit' and no PIN is required.
Can you use HSA card at checkout?
Important Considerations for Online HSA Card Usage
Using Your HSA Card Online: Using your HSA card for online purchases is similar to using a regular debit card. At checkout, select your HSA card as the payment method and proceed as you would with any online transaction.
How to turn HSA into cash?
(Keep in mind that HSA funds cannot be used for qualified medical expenses that were incurred before their HSA was established.) schedule a withdrawal from your HSA to a personal bank account. contact Client Assistance Center at 800-357-6246 Monday through Friday between the hours of 7 am and 9 pm CST.)
Can I borrow from my HSA and pay it back?
No.
Can I get cash from my Healthy Benefits card?
The Card is not a credit card. You will not receive any interest on the funds associated with the Card. Your Card is not accepted at Automated Teller Machines (“ATMs”) and cannot be used to obtain cash from an ATM, a point-of-sale terminal (“POS”), or by any other means, except as required by law.