How do HSA + LPFSA work if you change jobs mid-year and switch to a non-HDHP plan?

Claims/Providers

I have a HDHP with a HSA that's been funded through employer contribution at the start of the year and ongoing employee paycheck deductions, as well as a LPFSA that was fully funded through my employer which I pay back throughout the year via paycheck deductions.

I've already claimed expenses from both the HSA and LPFSA (after my HDHP deductible was met for the year).

If I change jobs in the middle of the year and then switch to a non-HDHP plan, are there any tax implications or other consequences to the funds I and my employer have already contributed to either the HSA or LPFSA, as well as the expenses I've claimed, given that I wouldn't have had an HDHP every month of the year?

I assume it shouldn't be a problem because all contributions and claims were made during months I did have an HDHP, but just need to make sure.

Posted May 4, 2025, 4:47 PM UTC

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