You can use money in your HSA to pay for eligible medical, prescription drug, dental and vision expenses that you pay out of pocket, such as deductibles and copays. You can make payments directly to providers using the HSA debit card or the online payment feature, or you can request an HSA checkbook. If you don’t have enough money in your HSA, you can pay expenses with other money, and then reimburse yourself later when you have more money in your HSA. Or, you can leave the money in your HSA and let it grow tax-free.