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Using your HSA

Overview on how to fund and use your HSA funds.

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IRS Limits

Annual contribution limits for HSAs and other benefit accounts.

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Eligible Medical Expenses

IRS guidelines on what you can pay for with your HSA funds.

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Explore our powerful calculators and make informed decisions for your account's success.

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Investment Options

HSA funds can be invested for long-term earnings potential. 

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Tax Time 101

Answers to some of the most frequently asked Health Savings Account (HSA) tax questions.

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How do HSAs Work?

HSAs are personal savings accounts that help you save big on healthcare expenses you have now, and those you’ll have in retirement. The key benefit is tax savings. HSAs are the only account that you can put money into, gain interest on, and use to pay for IRS-qualified healthcare expenses, all tax-free. This means a lower tax bill for you, too. Learn more about this account with triple tax perks that take you from safety net to nest egg.


HSA Bank Introduction to HSAs

Is an HSA Right for Me?

See how an HDHP/HSA stacks up against other health plans

To open and contribute money to an HSA, you need to have a qualified high-deductible health plan (HDHP). Unlike traditional health plans like PPOs, HDHPs typically have lower premiums (those payments you make for your health insurance). Think of it this way: If you select an HDHP with a lower premium and put what you save from the lower premium into your HSA, that money stays with you rather than going to the insurance company. And it can be used to save on healthcare costs!


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Health savings account = long term savings

An HSA and the funds are yours to keep.

The money in your HSA never expires. Even if you change jobs, switch health plans, or retire. It’s your money — for life. That means you don’t have to spend your HSA funds at the end of each year. Just another reason why HSAs are such a great way to save for retirement. Your HSA is here to stay.


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How does an HSA compare to a 401(k)/IRA?

An HSA is the only account with three tax benefits. These tax savings, combined with other benefits (like the ability to invest), make an HSA one of the most powerful retirement savings tools available. So whether you have a 401(k), IRA or another type of savings account, there’s still value in using an HSA.