I understand that an HSA can be used for qualified medical expenses, and that LASIK falls under this category. I'm considering getting LASIK done and would like to use my HSA to pay for it.
However, it will take a couple years to build up enough of a balance to cover the surgery. If I, instead, elect to get same-as-cash financing through the LASIK provider, can I make those payments from my HSA? In other words, are those payments recognized as being for a qualified medical expense, or are they disqualified because they are payments on a debt? Or is the answer to this determined by the rules of the HSA provider and not the US tax code?