The allocation period closing and disallowing a reallocation is a CRA rule, not a rule of myHSA's. So, since the allocation period closing is a firm deadline, we want to clarify what options, if any, are available to you based on your situation if you missed the timeframe.
Here's the CRA rule (check paragraphs 5-6 of this CRA bulletin:
If you forgot to log in, didn’t finalize your allocation in time, misunderstood the plan design (auto-allocation) or missed the window for any reason within your control, unfortunately, we are unable to make exceptions.
To help prevent this in the future, we provide:
✅ A countdown timer on the allocation page showing how much time remains
✅ Multiple reminder emails throughout the allocation period
Because of this, we are unable to reopen allocation in these cases. Your Plan Administrator is also unable to authorize a reallocation in these cases.
If You Didn’t Receive Allocation Emails
If our reminder emails were sent to your junk or spam folder, and you were unaware of the deadline due to this, there may be leniency, as long as we have proof of this.
To request a reallocation:
📌 Take a screenshot showing the emails in your junk or spam folder
📌 Contact your Plan Administrator with this proof and request reallocation approval
Your Plan Administrator will review your request and decide whether to escalate it to myHSA.
📌myHSA will verify against our server if the emails were delivered to your main inbox or not in order to determine if an exception can be made
If the emails were sent to your main inbox but were simply missed, we are unable to reopen allocation.
If you missed your allocation because of reasons outside your control—such as a locked account, technical issues logging in, or being on leave without access to your account—you should reach out to your Plan Administrator.
Your Plan Administrator can request a reallocation on your behalf, and we will verify the situation using our activity logs before making a final decision.
We appreciate your understanding and encourage you to mark your calendar for next year’s allocation period.