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Manage your healthcare finances and get peace of mind with an HSA.

  • Greater personal control over healthcare management and expenses
  • Cover routine medical expenses until deductible is met
  • Pays for major medical expenses once deductible is met
  • Competitive interest rates on balances over $500
  • An HSA provides triple tax savings:
    • Pre-tax contributions to your account
    • Tax-free earnings through investment
    • Tax-free withdrawals for qualified medical, dental, vision expenses, and more*
  • Contributions are tax-free and can be made by you, your employer, or a third party**
  • Funds can be withdrawn at any time***
  • Unused funds remain in account; no "use it or lose it" policy
  • Keep your HSA in your name, regardless of career or life changes
  • Free eStatements (paper statements available for $3.00)
  • $50 minimum deposit to open


Most adults under 65 who are not enrolled in Medicare and are covered under a high-deductible health plan (HDHP) can qualify for an HSA, but it is up to the account holders to determine their own eligibility.

To be eligible:

  • You must be covered by a high deductible health plan (HDHP) on the first day of a month to qualify for eligibility for that month.
  • You must have a minimum deductible of $1,600 for individuals or $3,200 for families.
  • Your annual out-of-pocket expenses (including deductibles and co-pays) cannot exceed $8,050 for individuals or $16,100 for families.
  • Maximum contribution cannot exceed $4,150 for individuals and $8,300 for families.
  • A person age 55 or older may make an additional $1,000 in "catch-up" contributions.
  • You cannot be covered by any other health plan that is not an HDHP.
  • You cannot be enrolled in Medicare.
  • You cannot be claimed as a dependent on someone else's tax return.

There are no eligibility restrictions regarding income level and there is no requirement of earned income to make contributions.

*Consult a tax advisor.

**When used for qualified medical expenses. Consult a tax advisor. Qualified expenses include most medical care and services, dental and vision care, weight loss programs, some over the counter medications, mileage, and more.

***You can withdraw funds at any time for any purpose. However, if funds are withdrawn for reasons other than qualified medical expenses, the amount withdrawn will be included as taxable income, and is subject to a 10% penalty tax.