Smart savings for healthcare—tax
advantages, flexibility, and control all in
one account.
A Health Savings Account (HSA) allows you to set aside money–tax-free–for qualified medical expenses like doctor visits, prescriptions, dental, and vision care.
Why Enroll?
Triple Tax Advantage
- Contributions are tax-deductible
- Earnings grow tax-free
- Withdrawals for qualified expenses are tax-free*
Flexibility & Control
- Use your HSA funds now for current healthcare needs, or let them grow for
future expenses - Balances roll over year to year—no “use it or lose it”
- Funds can be invested for long-term growth
- After age 65, you can use it for non-medical expenses (taxed like a retirement account)
Portability
- The HSA belongs to you - you own it
- It stays with you even if you switch jobs or retire
Other Features
- No fees
- Free HSA debit card
-
No minimum balance required
-
Free eStatements
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Payroll direct deposit available
-
No monthly service charge
-
Manage money and track progress with online and mobile banking
Who is Eligible?
To open and contribute to an HSA, you must:
- Be enrolled in a qualified High Deductible Health Plan (HDHP)
- Not be covered by any other health plan that is not compatible with an HSA
- Not be enrolled in Medicare
- Not be claimed as a dependent on someone else’s tax return
New Rates!
HSA Qualifications and Limits
The Internal Revenue Service (IRS) sets contribution and HDHP limits for HSAs which may change each calendar year.
See IRS Publication 969 to learn more about HSAs, benefits, qualifications, and limits.
Health Savings Accounts offer a smart, flexible way to manage healthcare costs and build financial security. If you’re ready to take control of your health spending—an HSA helps you save now and build financial confidence for the future.
Health Savings Account Calculators
* Please consult your tax advisor for more information.