You have many options to pay for IRS-qualified medical expenses that exceed the $3,000 Health Benefits Debit Card daily limit.
You have access to a plan comparison tool that helps you determine if a high-deductible health plan with an HSA is right for you.
HSA Bank offers a full suite of Consumer-Directed Healthcare (CDH) products, including Health Savings Accounts (HSA), Flexible Spending Accounts (FSA), Health Reimbursement Arrangements (HRA), and Commuter Benefits.
Choose from two great self-directed investment options
Our leadership includes some of the foremost experts in the consumer-directed healthcare market, making our HSA experience unmatched by any other company.
Chad serves as an Executive Vice President of Webster Bank and President of HSA Bank where he is responsible for leading the organization and its people towards sustainable growth well into the future. Chad joined HSA Bank in 2014, bringing with him more than 25 years of experience in the banking and health insurance industries. Chad has a consistent history of achievement in sales leadership, relationship management, product management, P&L leadership, and employee engagement throughout his roles as President of The Wilkins Group, his own consulting practice specializing in healthcare and financial services, his time as Chief Executive Officer of Optum Health Financial Services, and his experience as Senior Vice President, Commercial Large Markets at US Bank. Chad’s background of managing multi-million dollar P&Ls and aggressive growth targets to deliver revenue and profit improvement, his proven ability to create, retain, and lead teams in fast-paced, high stress environments, and his knowledge of financial services and healthcare financial systems and technology position him as a well-rounded business leader equipped to lead HSA Bank, its members, and employees into the next generation of financial healthcare. Chad earned his Bachelor's degree in Political Science from Lehigh University.
Tim Patneaude serves as Senior Vice President and Chief Operating Officer responsible for leading strategic planning efforts to help accelerate business transformation processes and overseeing the Bank's Operational team including staff in Operations, Call Center, Information Technology, and Project Management. Tim joined HSA Bank in 2015 as the company's Senior Vice President and Director of Information Technology and Project Management. Previously, in his role as Executive Vice President, Chief Information Officer and Chief Operating Officer with Wausau Financial Systems (WFS), Tim established infrastructure architecture and an IT services model to engage with internal stakeholders. Prior to his work at WFS, Tim held executive IT management positions with Metavante where he transformed the IT organization by leading the implementation of an information life cycle management methodology and introducing the Six Sigma quality methodology to his division. With over 25 years of experience managing large-scale IT projects and teams, including software development and implementation servicing commercial, financial, and public sector markets, Tim plays an important role in contributing to the company's goals while building a culture of cooperation and partnership across the entire organization. Tim earned his BA in Management Information Systems from the University of Wisconsin – Milwaukee.
Kevin Robertson serves as Senior Vice President and Chief Revenue Officer, where he is responsible for leading the growth strategy and organization at HSA Bank. Kevin has worked for HSA Bank for five years, and has more than 20 years of experience in banking, insurance, and financial services. Under his leadership, Kevin helped HSA Bank surpass more than $5 billion in assets and 2 million members by 2016. His background covers a variety of sales, business development, and operational roles, and spans a diverse spectrum of employee benefits, insurance and retirement products and services. In addition to his tenure as a banking executive, Kevin was also a self-employed business owner for 12 years, managing a large insurance operation with more than 25 separate agency locations, and was a Financial Industry Regulatory Authority (FINRA) Registered Representative and Principal for eight years. Kevin is a well-known figure in the consumer-directed healthcare industry, especially for his legislative and regulatory efforts as Compliance Committee Chairman of the American Bankers Association HSA Council. He earned his bachelor's degree from Marquette University.
Ed Seaver joined HSA Bank in 2017 as Senior Vice President and Director of Relationship Management. He manages a team to effectively drive an optimized experience for customers, cultivates market leading relationships with key partners, and maximizes knowledge sharing with business stakeholders. Ed brings a deep understanding of the employer and payer landscapes spending more than a decade with MasterCard, where he was recognized as the 2008 Global Sales Champion and 2007 Coach of the Year for Global Key Accounts. Most recently, he worked for First Data as Regional General Manager and Strategic Account Team Leader where he oversaw a client relationship team with profit & loss responsibility. He is the holder of two U.S. Patents for inventing a new payment processing methodology. Ed majored in Electrical Engineering at the New Jersey Institute of Technology/Rutgers University.
Greg serves as Senior Vice President and Chief Financial Officer for HSA Bank where he has overall responsibility for HSA’s finance and accounting functions which includes financial performance analysis, budget and planning, and controllership. He joined HSA Bank, a division of Webster Bank, N.A., in May of 2017 with more than two decades of corporate financial management experience in corporate tax, merger and acquisitions, regulatory reporting, and accounting policy. Greg joined Webster Bank in January 1995 where he served in various leadership roles, including Tax Manager, Assistant Controller, Controller, and then Chief Accounting Officer. During his tenure, Greg built Webster’s Corporate Tax Department, supported mergers and acquisitions through bank and non-bank transactions, and played an important role in the Chief Financial Officer’s Group. Prior to Webster, he served as a tax manager for KPMG, among other various positions at regional accounting firms. Greg earned his bachelor’s degree in Accounting from Fairfield University. He is also a Certified Public Accountant, and a member of the American Institute of CPAs.
Charlotte Kienbaum serves as the Senior Vice President and Director of Partner Services responsible for strategic partner satisfaction in our large partner and employer channels including service health monitoring, reporting, and the onboarding and integration experience for our most complex relationships. Charlotte joined HSA Bank in 2005 as the Vice President of Operations. Most recently, Charlotte served as Senior Vice President and Director of Operations leading the strategic and tactical initiatives in monetary operations and call center areas, budgeting, contractual review, tax reporting, card processing, customer service, and workforce development. Most recently, Charlotte had executive responsibility for the acquisition and migration of the JP Morgan Chase HSA book of business, including the integration of multiple complex health plan relationships, doubling the size of our business. With more than 19 years of experience in retail banking, lending, relationship management, branch operations, and financial modeling combined with her leadership and management strategy experience, Charlotte is a critical partner to our customers, ensuring the service health and satisfaction of our largest health plans and employers. Charlotte holds a BA in Accounting from Lakeland College and is a Certified Public Accountant.
Jason joined HSA Bank in 2015 and is responsible for overall product management, strategy and innovation. The majority of Jason's career has been spent developing and managing products related to Consumer Driven Healthcare (CDH), including over 15 years of Healthcare and Spending Account experience with J.P. Morgan, United Healthcare's Optum division and WellPoint. Having background developing products for both health insurance companies and financial institutions has allowed Jason to gain unique perspective on the healthcare issues affecting employers and employees and develop solutions that matter most to our customers. He holds a B.A. from the University at Buffalo and an M.B.A. from the Lubin School of Business at Pace University.
Mark joined HSA Bank in 2012 as Vice President and Senior Product Manager and is currently responsible for all aspects of HSA Bank's marketing & communications strategy including customer communications & education, brand management, digital marketing and market research. His main focus is on finding new and creative ways to help our customers own their health by making informed decisions about how they use their healthcare dollars before and during retirement. Mark has over 16 years of experience in the financial services, healthcare & retirement industries playing key roles at Thomson Reuters and Charles Schwab with a focus on product development, marketing and client education. He holds a BA in Finance from the University of Wisconsin – La Crosse.
Laurie Hanke joined HSA Bank in 2016 as Senior Vice President and Director of Enterprise Risk Management, and is responsible for leading the execution of the Bank’s risk program. Prior to joining HSA Bank, Laurie served as Risk and Operations Director at FIS overseeing the Digital Money Movement platforms. In her prior role, she was instrumental in developing and executing risk management initiatives, and driving operational risk maturity. She has over 25 years of experience in retail banking and financial technology services. Laurie earned a bachelor’s in Psychology from the University of Wisconsin-Madison.
For information on our Business Development and Sales teams, click here.