<prompt> Human: My mother had both my brother and I on her HSA when we were dependents. I have been on my own insurance for over a year and had cut up the last card that her HSA bank sent to me. I changed companies and got my own HSA last fall. A week ago I used my own HSA debit card for the first time to pay for a dental appointment. Then today I tried to make an online account to view the activity of this HSA and file my taxes, when the rep told me they could not find the card I had in my hand under my account. Well, thats because the card that was in my hand was, in fact, not associated with my HSA.Turns out: I was sent a new card by my mothers HSA bank around the same time I should have received a card for the HSA bank I opened in my own name we both have the same HSA bank. I then called my mom to tell her I would give her the money I spent and she could write a check to the bank. Thats when I found out that my brother has been using her HSA for several months to pay for a reoccurring medical treatment. My mother knows the possible penalties and seems to not care. My brother is currently uninsured Im going to try and help him get onto a plan through the ACA before 131 so he doesnt incur a penalty, so he cannot pay for this treatment himself. I dont know exactly how much hes spent using her account, and I dont know how to make her less ambivalent about the possibility of being audited. I know that if she were to be audited she would have to pay a 20 fine as well as any taxes. Ive tried telling her she needs to settle up with her bank but Im just not sure what to do at this point. If she were audited, I think itd just be a few hundred dollars in fines, and I know she cant pay the amount hes spend back to the bank right now... And Im sorry to say I got a little heated in my last conversation with her and Im sure that didnt help...Help me PF, what should I do?  <response>: My mother knows the possible penalties and seems to not careDoesnt sound like theres anything for you to do. Are you going to pay your brothers medical bills? No? Then it sounds like you should just back out of being involved in it. 