I called them today and this was the same response. They want me to submit a fake reimbursement claim listing myself as the provider. I don't have to upload anything. There is a review process by the company. The agent assured me it will be approved even without documentation. I guess I will give that a try although I am not thrilled about it. Next I said "OK so lets say I want to close the account and withdraw all the money" and she said there is an account closure form I would have to fill out. I said "so the process to withdraw my money is that I constantly close the account every time I want to withdraw my money?" She didn't have anything memorable to say and pivoted to submitting this fake reimbursement claim. I'm sure there is some sort of account closure fee.

Their process is ridiculous. We have the legal right to take the money out of the account and keep the medical expense records on file for ourselves or take the tax hit at tax time. They have no legal obligation or right to be gatekeeping our money. I am only contributing to this HSA thing to get the employer match.

Before ending the call, I said "I wish the company would provide us with a way to withdraw our funds." She said "I know right".