Save for Future Health Care Expenses with a Health Savings Account

Security
High deductible insurance in conjunction with a Health Savings Account protect against high or unexpected bills.
 

Affordability
High deductable coverage often costs less than low deductable and co-pay plans.
 

Flexibility
Utilize funds to pay for current medical expenses, including expenses that an insurance policy may not cover, or save money in the account for future needs, such as:

• Health insurance or medical expenses if unemployed
• Medical expenses after retirement (before Medicare)
• Out-of-pocket expenses when covered by Medicare
• Long-term care expenses and insurance

Savings
Earn dividends on money in your HSA for future medical expenses and grow your account year after year. Unlike a flexible spendign account (FSA), unused money carries forward for use in future years; there is no "use it or lose it" rules for HSAs.
 

Control
Make all the decisions about how much to put into your account and how to spend the money.
 

Portability
Accounts are completely portable. Keep an HSA in the event of any of the following:

• Change jobs
• Change medical coverage
• Become unemployed
• Move to another state
• Change marital status

Tax Savings
HSAs are tax favored.

• Contributions are tax deductible
• Withdrawals to pay for qualified medical expenses are never taxed
• Earnings are tax deferred while in the HSA, and if used to pay qualified medical expenses, are tax-free

Activate your debit card quickly, safely and easily.
 

This government regulated account is sure to raise a few question on how to use the account as well as who might qualify. Click Here to see a list of Frequently Asked Questions about Health Savings Accounts.
 

Todays Rates

Dividend Rate

APY*

Minimum Balance to Open

Minimum Balance To Earn APY*

Health Savings Accounts

.499

.50

$50

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