HSA for financed LASIK?
Similar to this poster, I have an approximately $4,000 LASIK surgery planned in May 2023 with a provider that offered 0-down, 0% 24-month financing. The financing paired with a massive discount (~34%) tipped the scales for me, as my HSA currently sits at around $4,500. Since getting the HSA in 2019 at 23, I’ve had some minor health issue come up almost every year except for 2022, which is why I finally feel comfortable springing for this procedure.
My goal was to basically put enough down (from my HSA) that my monthly payment over the next two years would be equal to or less than my monthly HSA contribution–which I would be putting toward the procedure. Barring that, I would rather pay the monthly amount with 0 down and see my HSA slowly decline versus emptying it.
Come to find out, the financing is through a couple of different 3rd parties–and I’m unclear on whether I can reimburse myself in installments based on the financing, or if there’s any other issue I haven’t thought of here. Anyone know if there’s a way to leverage both the financing and the HSA?