Health Savings Accounts
Plan ahead for healthcare expenses.
A Health Savings Account (HSA) can play an important role in both your financial and physical well-being. Designed to work alongside a high-deductible health plan, it gives you a tax-advantaged way to save for future medical expenses while keeping control of your funds.
A good fit for
- Savings for healthcare with tax advantages
- Pairing with a high-deductible health plan
- Earning interest with no monthly maintenance fee
- Easy access with a debit card
- Letting funds roll over and grow over time
How an HSA works
- Open with a qualifying high-deductible health plan1
- Contribute with IRS limits
- Use funds for qualified medical expenses
- Unused funds roll over year to year
- Tax-free withdrawals for eligible expenses
- Penalty-free use after age 65 (taxes may apply)
Maximum Contributions
| HSA Type | 2025 | 2026 |
|---|---|---|
| Single HDHP | $4,300 | $4,400 |
| Family HDHP | $8,550 | $8,750 |
Additional information is available on the US Treasury website at www.treasury.gov.
Please consult your tax advisor or attorney for information that relates to your specific circumstances.
Questions about HSAs?
A quick conversation can help you determine how an HSA fits into your health plan and overall financial strategy.
1Please consult your tax advisor or attorney for information that relates to your specific circumstances.
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