: Gap in employer provided hsa I had a qualified HDHP and HSA Jan to thru April. Now another qualified HDHP and HSA July thru December Can I use funds in the second HSA to pay qualified Expenses dated during the first qualified

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The date on which you open your HSA account is essentially the first day on which expenses can be qualified. So, if your new HSA was opened on July 1, you can only use it for expenses incurred on or after that date - if you had expenses prior to that, you cannot use the new account.

The terms for this are described in the instructions for IRS form 8889.