<prompt> Human: Im signing up for a new health plan and deciding among 3 options. If I go with the base plan and do HSA instead of FSA, I need to know the answer to this question. The great majority of my HSA spending would be on weekly individual and group therapy with a psychologist, which would deplete the HSA amount matched by my employer pretty quickly. Im not trying to make myself a target for a lawsuit, but if I do get sued, I dont want my records subject to subpoena.Also, if I need a diagnosis code as reason for psychotherapy, which would be Major Depressive Disorder, I dont want that mark on my permanent medical record, which could prevent me from being insured in the future.  <response>: The insurance company has no access to any information about your HSA. It is your account, and you can spend the money as you need to. The IRS will require that you only spend HSA funds on qualified medical expenses, but your insurance company does not have access to the information you provide to the IRS.Im not sure I understand your situation, but it youre paying for therapy entirely out of pocket from your HSA, there is no reason that your insurance company will know about it. 