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What happens to an HSA if the account holder dies?

What happens to an HSA if the account holder dies?
As an account holder, you may designate a beneficiary when you open your HSA. You may change your beneficiary online or in writing at any time.

If a spouse is the designated beneficiary of an HSA, the account is treated as the spouse’s HSA after the death. If the spouse is not the designated beneficiary of the HSA on the date of death: 1) the account stops being an HSA, and 2) the fair market value of the HSA becomes taxable to the beneficiary. If there is no beneficiary, the fair market value of the HSA will be included in the account holder’s final estate tax return.