Cycle HDCP and non-HDCP each year–will this work?

This year I have a HDCP. I have $5k in health bills I’ve paid that I have not refunded myself for, from my HSA.

I know that if I accumulate bills this year, while under a HDCP, I can pay for them well into the future from an HSA as long as I got them while I had an HDCP (e.g. if I have HDCP + HSA in 2025 I can pay myself back for my 2022 expenses). I know also that an already-funded HSA is allowed to pay for co-pay/insurance deductible for a non-HDCP plan (e.g. you have a big HSA balance and decide to switch to a ppo plan).

So my thought is if I switch to a low-insurance plan for 2023 I can use the money already in my HSA to pay for the copays, then switch back to a 2024 HDCP to build my HSA back up again. Then sometime in the future when my kids are no longer bleeding my dry on healthcare, if I can ever get the damn HSA back up to a reasonable level come back and pay off 2022 expenses.

I think this is legit…? The reason I want this is we consume so much but I am very sick of this HDCP, but if I can pay for my copays/insurance with the pre-tax HSA I’d like to do it.

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