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A Health Savings Account (HSA) allows you to provide your employees with a tax-advantaged* way to pay for healthcare. It offers flexibility, easy ways to access funds and let's employees use pre-tax* dollars. Plus, a HSA is your employee's account so they can use it next month, next year or 20 years from now as long as the account has funds.

  • $200.00 minimum deposit to open HSA Interest Checking
  • $100.00 minimum deposit to open HSA Regular Savings
  • Funds rolls over year to year
  • FDIC insured up to $250,000
  • Click here for HSA fees

Eligible individuals covered under high-deductible health plans may open an HSA and use the money tax-free (including earnings) to pay for qualified medical expenses.


  • 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 $1,300.00 for individuals or $2,600.00 for families.
  • Your annual out-of-pocket expenses (including deductibles and co-pays) cannot exceed $6,550 for individuals or $13,100.00 for families.
  • Maximum contribution cannot exceed $3,400.00 for individuals and $6,750.00 for families.
  • A person age 55 or older may make an additional $1,000.00 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 your tax advisor.

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