We’ve started paying out of pocket for medical expenses to allow our HSA to build up. I’m saving the receipts electronically (PDF copies) so that I can submit them for reimbursement in the future if needed. Do I need to save the paper receipts if I have them electronically?
Use a wise old man’s advice. Go talk to a qualified tax advisor or an attorney schooled in tax law. I’d stay away from H and R Block, good to fill out forms but not always trained for advice, especially legal eagle stuff per se. Remember, burden of proof is on you not the IRS. And doesn’t the employer have you fill out an election for contributions and give you the full year’s amount up front? Many do including my former employer for years. I did retire 4 years ago though, fyi. so some things may have changed. Good luck
No, this is what I do as well. I have years worth of scanned receipts that I plan to reimburse in later years.