Agent Skills: hsa-receipt-vault

Maintains a ledger of HSA-qualified medical expenses paid out of pocket (not reimbursed from the HSA), each with date, amount, provider, description, and a path to the scanned receipt. Tracks the running unreimbursed total — the amount of HSA balance the household can pull tax-free at any future date — and validates each candidate against IRS-qualified-expense categories. Use when a new medical receipt arrives, when totaling future tax-free HSA reimbursements, when planning a deferred reimbursement, or when user mentions HSA receipt vault, qualified medical expenses, or HSA shoebox strategy.