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             Your HSA can be used to pay qualified medical expenses.  Any amounts you withdraw are not taxable if used for medical expenses.  Since you get a tax deduction when they are funded, and no taxes when withdrawn it is a good idea for everyone to fund it and use it accordingly.   It is not a medical insurance account.  I funded one and then used it for my out of pocket medical expenses, and since I used it to pay insurance premiums it did not last too long.

Wondering tho - is an HSA useable IN the Philippines?

The big question will be around whether it is a qualified medical expense. An injury or illness that requires immediate care while traveling probably would qualify. A routine procedure for someone residing overseas? Not so sure.

Wondering tho - is an HSA useable IN the Philippines? - @Erwendo1

Just withdraw the money from the account and spend it on qualified medical expenses and keep all the receipts.

The big question will be around whether it is a qualified medical expense. An injury or illness that requires immediate care while traveling probably would qualify. A routine procedure for someone residing overseas? Not so sure. - @pnwcyclist

The insurance investigator Banacek ( NBC 1970’s Wednesday night mystery movie series))

had a Polish proverb: always read the small print 🤣

@mugteck

But I doubt that the Philippine health system is covered by any USA laws affecting tax exempt status of HSA's, even if they use the same procedure codes.

@mugteck
But I doubt that the Philippine health system is covered by any USA laws affecting tax exempt status of HSA's, even if they use the same procedure codes. - @danfinn

As an American citizen required to file taxes on my world wide income, it matters if HSA withdrawals are taxable on my 1040.