The IRS can audit your HSA usage going back 7+ years
If you can't prove your HSA withdrawals were for qualified medical expenses, you face a 20% penalty plus income tax on the full amount. Lost receipts can cost you thousands.
Everything you need to stay organized
HealthLedger makes medical expense tracking simple and stress-free.
How it works
Get started in minutes. Stay organized for years.
Track expenses
Add medical expenses as they happen. Snap a photo of your receipt right at the pharmacy or doctor's office.
Stay organized
See your deductible progress, HSA-eligible totals, and unreimbursed expenses at a glance.
Export at tax time
Generate annual summaries for your tax preparer or personal records. Always audit-ready.
Frequently asked questions
The IRS requires you to keep records proving your HSA withdrawals were for qualified medical expenses. They can audit your HSA usage going back 7+ years. Without proof, you face a 20% penalty plus income tax.
Most medical expenses are eligible: doctor visits, prescriptions, dental, vision, mental health, and more. Since 2020, OTC medications are also eligible. HealthLedger shows you which expenses qualify.
Yes. We use industry-standard encryption for all data in transit and at rest. Your receipt images are stored in private, secure storage with access controls. We follow healthcare data best practices.
Yes! Personal and Family plan users can export annual summaries in PDF and CSV format. Perfect for tax season or if you ever need to prove your expenses to the IRS.
Your data remains accessible in read-only mode on the Free plan. You can always export your data before canceling. We never delete your records.