An HSA puts you in control.

Money that would otherwise be lost to high premiums could be invested in a tax-free, interest-bearing HSA. Your HSA funds roll over from year to year helping you save for future expenses or plan for your retirement. When you spend your HSA funds on IRS-qualified healthcare expenses, taxes don’t apply.

Plus, it’s easy to pay for IRS-qualified healthcare expenses with your HSA with several convenient options to pay for current or future healthcare expenses, including deductibles, co-insurance, prescriptions, vision, dental care, and more. For more information on IRS-qualified medical expenses, click here.

Father and young son working on a laptop

Tax benefits

The tax advantages are threefold with tax-free contributions, tax-deferred growth, as well as tax-free spending (on qualified expenses).

Man and woman sitting in a white office

Watch it grow

HSA funds never expire and grow year over year. And, your funds can be used as a long-term financial tool when you take advantage of the investment opportunities.

Woman sitting on the stairs of a building working on her laptop

Take it wherever you go

Your HSA is yours to keep no matter what. Through employment changes, retirement, and beyond your funds are owned by you and investments continue to grow as long as your account stays open.

Is an HSA right for me?

If you have a High Deductible Health Plan (HDHP) through your employer, your spouse, or one you've purchased on your own that qualifies for an HSA, then you can open an HSA.

Before enrolling in a Health Savings Account, it’s important to understand the eligibility requirements and anticipated out-of-pocket costs. HSA Bank provides a Plan Comparison Calculator designed to help you determine if an HSA is right for you and your budget. Simply enter some basic information about your health plan, and we'll provide you with the cost estimate of each plan.


Man walking next to his bike on his way to work

HSAs to Z

Everything you need to know

HSAs are a powerful savings tool for current and future healthcare expenses — as well as one of the strongest ways to save for retirement. Yet studies show that many accountholders just aren’t using them.

So let’s answer the common questions we get about HSAs. Because we’re convinced once you understand how HSAs can help you manage your physical and financial health, you’ll love them just as much as we do!


Woman sitting at a table with her dog while working on her laptop

More than HSAs

There’s more than one way to become a savvy spender. From daycare to subway tokens to eye exams, there’s an account designed to fit your needs.  Click any of the accounts listed below to learn more about its advantages and requirements.