This was the first year I had an HSA Account along with a high deductible health insurance plan. It’s worked out ok, though to be honest I’m still unsure if I’m doing this all right. I made some last-minute transfers from my account to reimburse myself for medical spending and glad I did it today, because I found out that I can only transfer $500 per day and I needed to take out the same $2000 that I just transfered in.

The biggest stumble with my HSA this year was my accidental over contribution (excess contribution), as I transferred $2000 into the account completely forgetting that my work would be putting in another $100 before year end, putting my account $100 over the legal limit for the year. Oops.

I’m still not sure how that is going to pan out… I’ll probably just be extra taxed on that $100 which sucks but it will be a few bucks (hopefully) and I know better for next year.

My medical expenses this year beyond what was covered by insurance were pretty costly…

Vision

$134.95 eye exam

$429 13 month supply of contacts

Dentist

$761 deep cleaning 4 quadrants and oral cancer screen

Mental Health

$710 — group therapy 1 month, one psychiatrist appointment, one career counselor appointment, 2 individual therapy (group screening) appointments

Acupuncture

$250 — 2 visits and herbs

Gynecologist

$200? — ultrasound to see that yes, I still have many cysts on my ovaries and office visit to discuss this (all during my supposedly “free” yearly checkup

Foot Problems

$195 — this was either for my one visit to the podiatrist or the xrays, I’m unclear which but I probably owe more.

Monthly Health Deduction: $20 (x 12 = $240)

Total Health Costs this Year: $2919.95

– $1200 (employer contribution to HSA)

My Approx 2009 Health Expenses: $1719.95