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The HSA Authority Insights

Picture of Ruste Pontenberg

When the CARES Act was signed into law earlier this year, it included new regulations for Health Savings Accounts (HSAs), as well as Flexible Spending Accounts (FSAs) and Health Reimbursement Arrangements (HRAs).

Here are some of the highlights:

  • COVID-19 testing and treatment can be covered pre-deductible without losing your HSA-compatibility status.
  • Telehealth services now may be covered pre-deductible when using a High Deductible Health Plan. (This provision is scheduled to expire on Dec. 31, 2021.)
  • Over-the-counter medicines are permanently eligible for reimbursement from an HSA, FSA or HRA (beginning with expenses paid on or after Jan. 1, 2020).
  • Menstrual products and feminine-hygiene products are permanently eligible for reimbursement from an HSA, FSA or HRA (beginning with expenses paid on or after Jan. 1, 2020).

As always, you should refer to your specific plan to determine what eligibility applies to you and your family as it relates to COVID-19 testing and treatment, particularly with telehealth services.

Have questions?

With many recent changes to HSAs, we know you may have questions. Your Old National Relationship Manager is always here to help. Let us know how we can assist you and your clients.




Ruste is the Vice President and Sales Manager for The HSA Authority powered by Old National Bank. He has 30 years of consumer and small business banking experience and leads a successful team of experts at The HSA Authority. One of the largest HSA administrators in the country, The HSA Authority partners with insurance brokers and employers to serve more than 2,100 employer groups and accounts in all 50 states.  

This content is not intended to provide legal, tax, accounting, financial or investment advice or indicate the suitability of any product or service for your unique circumstances. You are encouraged to consult with a qualified legal, tax, accounting, financial or investment professional based on your specific circumstances. We do not make any warranties as to accuracy or completeness of this information, do not endorse any third-party companies, products, or services described here, and take no liability for your use of this information.
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