The good news is that there's no IRS time limit for HSA reimbursements — Here's how to use that to your advantage. Most people reimburse themselves from their HSA right away. Expense comes in, reimbursement goes out right away. It works — but it leaves one of the account's most powerful features unused. The IRS does not require you to reimburse yourself in the same year you incur a qualified expense. There is no time limit at all. Pay out of pocket today, save your receipt, a