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Thanks @tiretrax. I'm still a bit confused. Let's assume I have $5000 in my HSA at the end of calendar year 2014, and that my contributions run at a rate of $100 per month. At the end of March 2015, I will have $5300 in my HSA. In April, if I incur a medical expense of $1000, are you suggesting I can only get reimbursed up to the $300 I've contributed so far that year?
Surely money in the account should be usable to reimburse for later year expenses. I know I originally asked about covering expenses accrued prior to starting to fund my HSA. I accept that isn't going to be possible. (I didn't think it would be.) Your answer sort of suggested that I can't use accrued contributions from earlier years to reimburse for later expenses either.
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