Participants who have a Health Savings Account, Archer Medical Savings Account, or Medicare Advantage MSA and made contributions or had rollover amounts in a tax year receives this Form 5498-SA from trustee of their account.
Tax Year 2026 Form 5498-SA Filing
File Form 5498-SA Online for 2026
Report Health Savings Account (HSA), Archer Medical Savings Account (Archer MSA), and Medicare Advantage MSA contributions and rollover information with a simpler filing process. Upload participant information in bulk, validate account details, verify taxpayer identification numbers, e-file with the IRS, and deliver participant copies securely—all with TaxZerone.
✓IRS-authorized
✓SOC 2 Type II
✓HSA and MSA Reporting
✓Secure Recipient Copies
CORRECTED (if checked)
TRUSTEE'S name
Street address
Room/suite no.
City/town
State/province
Country
ZIP/foreign code
Telephone number:
TRUSTEE'S TIN
PARTICIPANT'S TIN
PARTICIPANT'S name
Street address
Apt. no.
City/town
State/province
Country
ZIP/foreign code
Account number (see instructions)
1 Employee's or self-employed person's Archer MSA contributions made in the calendar year and the subsequent year for the calendar year
$
OMB No. 1545-1518
Form5498-SA
(Rev. December 2026)
For calendar year
2026
HSA, Archer MSA, or
Medicare Advantage
MSA Information
2 Total contributions made in the calendar year
$
3 Total HSA or Archer MSA contributions made in the subsequent year for the calendar year
$
4 Rollover contributions
$
5 Fair market value of HSA, Archer MSA, or MA MSA
$
6
HSA
Archer MSA
✕
MA MSA
Copy B
For Participant
This information
is being furnished
to the IRS.
Form 5498-SA(Rev. 12-2026)
(keep for your records)
www.irs.gov/Form5498SA
Department of the Treasury - Internal Revenue Service
Start at just $2.49 per form, with bulk filing prices as low as $0.59 per form.
✦Bulk upload✦TIN matching✦Data validation✦Federal e-filing✦State filing✦Schedule filing✦ZeroneVault delivery✦Print and mail✦Bulk upload✦TIN matching✦Data validation✦Federal e-filing✦State filing✦Schedule filing✦ZeroneVault delivery✦Print and mail
Form 5498-SA Basics
What is Form 5498-SA?
Form 5498-SA, HSA, Archer MSA, or Medicare Advantage MSA Information, is an IRS information return used by trustees and custodians to report contributions, rollover contributions, and the year-end fair market value (FMV) of Health Savings Accounts (HSAs), Archer Medical Savings Accounts (Archer MSAs), and Medicare Advantage MSAs (MA MSAs).
The form reports eligible contributions made during the calendar year, qualifying contributions made in the following year for the previous tax year, rollover contributions, and the account's fair market value as of December 31. It helps the IRS track account activity and provides participants with important information about their health savings accounts.
Zee can help to File 5498-SA
Form 5498-SA
2026
Participant
Sarah Jenkins
TIN
XXX-XX-7890
Box 2, Total HSA
$4,150
Box 5, Fair Market Value
$12,380
✓ Ready for filing
Filing Basics
Who files Form 5498-SA and who receives it?
Understand when HSA and MSA trustees or custodians must report account information and who receives Form 5498-SA.
Who Must File Form 5498-SA?
Trustees and custodians maintaining HSAs, Archer MSAs, or Medicare Advantage MSAs generally must file Form 5498-SA for each participant. This includes:
- Financial institutions maintaining Health Savings Accounts.
- HSA trustees and custodians receiving contributions.
- Financial institutions managing Archer Medical Savings Accounts.
- Custodians maintaining Medicare Advantage MSAs.
- Account providers receiving eligible rollover contributions.
Who Receives Form 5498-SA?
Participants who own or maintain HSAs, Archer MSAs, or Medicare Advantage MSAs receive Form 5498-SA statements showing their reportable account information. Recipients may include:
- Employees with employer-sponsored HSAs.
- Self-employed individuals maintaining HSAs.
- Individuals with Archer MSAs.
- Eligible Medicare beneficiaries with Medicare Advantage MSAs.
- Participants receiving qualifying rollover contributions.
Tax Year 2026
What are the Important Form 5498-SA Updates for 2026?
Trustees and custodians should review the updated IRS form and instructions before preparing Tax Year 2026 returns.
Here's what changed on Form 5498-SA this year!
Updated Address fields
For the Trustee's and Participant's information, the IRS has separated address details into individual entry boxes, including street address, apartment or suite number, city, state, country, and ZIP or foreign postal code, where applicable.
Continuous-Use Form and Instructions
Form 5498-SA and its instructions have moved to a continuous-use format. The December 2026 revision will be used for Tax Year 2026 and subsequent years until the IRS issues a superseding revision.
Important Dates
When is Form 5498-SA due for the Tax Year 2026?
Keep your HSA and MSA reporting on schedule with these important Tax Year 2026 dates.
JUNE 2027
TUESDAY
1
Filing & Copies Due
Participant Copies
June 1, 2027
Furnish Form 5498-SA statements to participants showing their reportable contributions, rollover information, and account value.
Electronic filing
June 1, 2027
File Form 5498-SA electronically with the IRS for each participant with reportable account information.
Stay ahead of the filing season by organizing participant information, reviewing account contributions, and confirming year-end balances before the deadlines.
Explore Form 5498-SA deadlinesNeed an Extension to File with the IRS?
Request an extension to file Form 3922 with the IRS electronically using Form 8809.
Need an Extension to Furnish Recipient Copies?
Request an extension to furnish Form 3922 recipient copies using Form 15397.
Filing Requirements
What Information do you need to file Form 5498-SA?
Gather the following details before preparing your Form 5498-SA returns.
Trustee or Custodian Information
- Trustee or issuer's legal name
- Employer Identification Number (EIN)
- Business address
- Contact information
Participant Information
- Participant's legal name.
- Taxpayer Identification Number (TIN), such as SSN or other applicable TIN.
- Participant's address.
- HSA or MSA account number.
HSA and MSA Account Information
- Calendar year of reporting.
- Employee or self-employed person's Archer MSA contributions, when applicable.
- Total HSA or Archer MSA contributions made during the calendar year.
- HSA or Archer MSA contributions made in the subsequent year for the reporting year.
- Eligible rollover contributions.
- Fair market value of the account as of December 31.
- Account type: HSA, Archer MSA, or Medicare Advantage MSA.
How It Works
How can you E-file Form 5498-SA?
Report HSA and MSA contributions through a simple prepare-to-deliver workflow.
STEP 01
Enter or Upload
Enter trustee, custodian, and participant information manually or upload your Form 5498-SA data in bulk using supported Excel or CSV files.
STEP 02
Review & Validate
Review participant details, account numbers, contribution amounts, rollover information, and year-end fair market values. Verify TIN information and correct missing or inaccurate data before submission.
STEP 03
E-file & Deliver
Electronically file Form 5498-SA with the IRS, track your filing status, and securely deliver participant statements through ZeroneVault or choose traditional postal mailing.
Form 5498-SA Filing Features
What Features can make Form 5498-SA Filing easier?
Tools that make HSA and MSA information reporting easier, more accurate, and more convenient.
Bulk upload
Upload multiple participant records using supported Excel or CSV files instead of entering each return manually.
Data Validation
Review trustee details, participant information, account numbers, and contribution amounts to identify missing or potentially incorrect data before filing.
TIN Matching
Verify participant taxpayer identification information to help reduce name and TIN mismatches.
Form 5498-SA Corrections
Prepare and submit corrected Form 5498-SA returns when previously filed information needs to be updated.
Federal filing
Electronically submit Form 5498-SA to the IRS and manage your filing status through one platform.
Schedule filing
Prepare your returns in advance and schedule submissions for a later date, where available.
Secure Participant Copies
Deliver participant statements electronically through ZeroneVault or choose postal mailing for physical copies.
Filing status Tracking
Monitor your submission status and keep your Form 5498-SA filing activities organized.
Scheduled Filing
How can you prepare and schedule Form 5498-SA filing in Advance?
Prepare your HSA and MSA returns ahead of reporting deadlines and schedule filing for a later date.
✓
Prepare participant records in advance
✓
Reduce last-minute filing work
✓
Keep contribution information organized and reviewed
✓
Separate current-year and subsequent year contributions and rollover information
✓
Stay prepared for annual reporting deadlines
Filing Schedule
MAY 2027
M
T
W
T
F
S
S
26
27
28
29
30
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Prepared
Scheduled
Recipient Copies
How can you deliver Form 5498-SA statements to HSA and MSA Participants?
Complete your filing workflow by providing participants with their required copies.
Secure Delivery via ZeroneVault
✓
Convenient access: Participants can securely access, download, and print their statements online.
✓
Secure sharing: Deliver sensitive health savings account information electronically.
✓
Easy access: Help participants retrieve their contribution, rollover, and account value information.
Traditional Postal Mailing
✓
Physical copies: Choose postal delivery for participants who need paper statements.
✓
Convenient delivery: Let TaxZerone handle the printing and mailing process.
✓
Complete workflow: Manage electronic delivery and postal mailing options from one platform.
Form 5498-SA Pricing
Calculate Your Form 5498-SA Filing Cost
Enter your number of Form 5498-SA forms and see your estimated filing cost instantly. Add optional services if needed.
Form 5498-SA E-filing
Price per form
| Number of Forms | Price per form |
|---|---|
| 1 to 25 | $2.49 |
| 26 to 50 | $1.99 |
| 51 to 100 | $1.59 |
| 101 to 250 | $1.29 |
| 251 to 500 | $1.09 |
| 501 to 1000 | $0.79 |
| 1001 and above | $0.59 |
How many forms are you filing?
Add optional Services
pay only what you need
State Filing
File Form 5498-SA forms with applicable states
$0.99/form
$0.99
Print & Mail
Mail physical Form 5498-SA copies to employees.
$1.75/form
$1.75
ZeroneVault
Securely deliver employee Form 5498-SA copies electronically.
$0.50/form
$0.50
Forms
1 × $2.49
Selected add-ons
None
Add-on cost
$0.00
Total Price
Based on your selected services
$2.49
Customer Reviews
See what Our customers are saying
our customers appreciate the simplicity and convenience of filing with TaxZerone. Here’s what they have to say about their experience.
Reviews 5.0
Reviews 5.0
“I had a great experience. The website is easy to use.”
Erica Courtenay-Mann
“An outstanding experience at a wonderful price! Thank you!”
Robert Brunson
"Easy and quick to use. Filed my fomrs fast and painless. Thank you."
Jason Dodson
Get Started
Ready to File Your 2026 Form 5498-SA?
Prepare, validate, e-file, schedule, track, and deliver your HSA and MSA contribution information returns with TaxZerone.
FAQ
What Do You Need to Know About
Form 5498-SA?
Find answers to common questions about HSA and MSA information reporting and Form 5498-SA.
The last date to e-file Form 5498-SA with IRS and to send participant copy is June 1, 2026. Also, issue a Fair Market Value statement (FMV) of participants account before February 2, 2026.
Note: If the deadline falls on a weekend, the filing deadline will be considered as next working day.
- Trustee’s information - Name, TIN, Address, Phone Number
- Participant's information - Name, TIN, Account number, Address and Account Type
- Contributions Details:
- Total contributions made
- Total HSA or Archer MSA contributions
- Rollovers Contributions
- Fair market value
The two forms serve different purposes for reporting activity in tax-advantaged health accounts like Health Savings Accounts (HSAs).
| Feature | Form 5498-SA | Form 1099-SA |
|---|---|---|
| Purpose | Reports total contributions to the account, including rollovers. | Reports total withdrawals/distributions from the account. |
| When you get it | Issued by May 31st for the previous tax year (to account for contributions made until the tax deadline). | Issued by January 31st for the previous tax year. |
| Tax Filing | This form is generally for your records and informational purposes only, as contributions (especially through an employer) are usually already reported on your W-2 Form, Box 12, using code W. | You must use this form when filing your taxes (typically with Form 8889) to report how the money was spent. |
| If you had no activity | You receive this form regardless of withdrawals, as long as you have an active account with a balance or contributions. | You only receive this form if you made distributions during the year. |