Health Savings Account

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It Won't Hurt A Bit

A Health Savings Account (HSA) is a way to pay for medical expenses. It’s a tax-deductible savings account that helps pay for costs associated with your high deductible health plan (HDHP). Unlike a flex account offered by many employers, a HSA is not a ‘use it or lose it’ option; any money not used for medical expenses is yours to keep. That’s good, since it’s yours to begin with...


How Does An HSA Work?

The amount you pay into an HSA comes out of your paycheck before taxes. You can change this amount at any time. Employees, employers, spouses, parents, children and friends can contribute to an HSA.

How Can I Use The Money?

  • > Medical, dental and vision expenses
  • > Medications and prescriptions
  • > Long-term insurance
  • > Health insurance while receiving unemployment benefits
  • > Pay your qualified expenses with a HSA debit card, through online BillPay, or through the reimbursement option

Contribution Limits

Self-Only $3450
Family $6900
55+ 'catch-up' $1000

Good-To-Know HSA Details

  • > $25 minimum to open
  • > No minimum balance
  • > No annual fee
  • > Only withdrawals for qualified medical expenses are tax-free
  • > Expenses paid out of a non-HSA source are reimbursable up to the HSA balance
  • > Keep all receipts in case you’re audited by the IRS
  • > Non-medical expenses are taxable and can be penalized


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