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Can I pledge any part of my HSA as security for a loan?
Any portion of your HSA that you pledge as security for a loan will be treated as a distribution for the year the pledge is made.
The amount pledged is includable in your gross income and a 10% premature distribution penalty tax on the pledged amount may also be imposed.
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Can I borrow against the money my HSA?
No. You may not borrow against it or pledge the funds in it as security for a loan. For more information on prohibited transactions, see Section 4975 of the Internal Revenue Code.
