Contact

Reaching the National Health Savings Authority with questions about tax-advantaged health accounts — including HSAs, FSAs, and HRAs — requires providing accurate context so that responses can address IRS rules, contribution limits, eligibility criteria, and other regulatory specifics correctly. This page describes how to direct inquiries, what geographic scope the resource covers, what information to include, and what response timelines are realistic.

How to reach this office

The National Health Savings Authority publishes reference-grade information on tax-advantaged health accounts governed primarily by the Internal Revenue Code, including IRC §223 (HSAs), IRC §125 (cafeteria plans and FSAs), and IRC §105/§106 (HRAs). Inquiries submitted through the site's contact form are routed to the editorial and research staff responsible for maintaining the reference content.

Inquiries fall into 3 broad categories:

1. Content corrections — factual errors, outdated statutory figures (such as IRS-published contribution limits under IRS Revenue Procedure), or broken internal links.
2. Research questions — requests for clarification on a published topic, cross-referencing between account types, or gaps in coverage the reference library does not yet address.
3. Partnership and licensing — publishers, employers, or benefit administrators who wish to license or reference the content under formal arrangement.

No telephone number is published. All substantive inquiries are handled in writing to ensure accuracy and to create a documented record of questions and responses aligned with public regulatory sources such as the IRS and U.S. Department of Labor.

Service area covered

This resource covers health savings account rules applicable under federal U.S. law, with primary authority derived from the Internal Revenue Service, the Department of the Treasury, the Department of Labor, and the Department of Health and Human Services. The IRS Publication 969 serves as the foundational federal reference document for HSA, FSA, and HRA rules discussed across this site.

State-level tax treatment varies. As of the 2024 tax year, the IRS reports that California and New Jersey do not conform to federal HSA tax exclusions, meaning HSA contributions are not deductible at the state level in those 2 states. Content on this site that addresses state-specific divergence — covered in detail at State Tax Treatment of HSAs — reflects publicly available state revenue department guidance and is not legal advice.

The resource does not cover:

• Non-U.S. jurisdictions — Canadian RRSPs, UK ISAs, or other foreign account types fall outside scope.
• Individual benefit plan specifics — employer-specific plan documents, plan administrator rulings, or insurer coverage determinations are outside editorial scope.
• Active legal disputes — questions involving litigation, IRS audit defense, or formal regulatory appeals require licensed tax counsel.

What to include in your message

A complete, specific message substantially shortens the time required to provide a useful response. The following structured breakdown identifies the 5 elements that produce the fastest resolution:

1. Account type — specify whether the inquiry concerns an HSA, FSA (healthcare or dependent care), HRA (traditional, QSEHRA, or ICHRA), or a combination. See Types of HRAs: QSEHRA, ICHRA, and Traditional for classification guidance.
2. Regulatory reference — if the question relates to a specific IRS code section, Revenue Procedure, or Notice, cite it. For example, IRS Notice 2004-2 provides foundational HSA Q&A guidance.
3. Page or section in question — provide the URL slug or section heading where the issue was found, particularly for content corrections.
4. Specific question — avoid broad framing such as "tell me about HSAs." A question such as "Does the HDHP minimum deductible for 2024 apply to embedded or aggregate family deductibles?" receives a faster and more precise response.
5. Context (optional but useful) — employer size, plan year, or coverage type (self-only vs. family) can clarify which rules apply, since thresholds differ. The IRS announced 2024 HSA contribution limits of $4,150 for self-only coverage and $8,300 for family coverage, illustrating how plan type changes the applicable figure.

Messages that omit account type and lack a specific question are typically returned with a request for clarification, adding at least one full business day to the response cycle.

Response expectations

Editorial and research staff review submitted inquiries on a rolling basis. The standard response window is 3 to 5 business days for content correction reports and general research questions. Partnership and licensing inquiries involving contract review may require 10 to 15 business days depending on scope.

Responses are provided in writing and reference named public sources — IRS publications, Treasury regulations, DOL guidance, or HHS rules — rather than offering individualized legal, tax, or financial advice. This distinction aligns with the scope limitations recognized by the IRS's own guidance framework: IRS Publication 969 is itself framed as general information, not a substitute for professional consultation on individual circumstances.

Two categories of inquiry receive no substantive response:

• Questions asking for a determination on a specific individual's tax liability, eligibility ruling, or audit outcome — those require a licensed CPA, enrolled agent, or tax attorney.
• Questions duplicating content already addressed in detail within the reference library, such as the HSA Contribution Limits page or the IRS Rules Governing HSAs page — those are redirected to the relevant published page rather than restated in correspondence.

Volume during open enrollment periods (typically October through December each year) may extend response times by 2 to 3 additional business days.

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The law belongs to the people. Georgia v. Public.Resource.Org, 590 U.S. (2020)