Health Savings Accounts
A flexible way to plan for healthcare costs
In HSA helps you set aside money specifically for healthcare expenses, with tax advantages that can support both current and future healthcare needs. It is designed to work with a qualifying health plan and give you more control over how you pay for care over time.
This may be a good fit if you want to
- Save for healthcare expenses with tax advantages
- Pay for qualified medical costs now or later
- Keep your healthcare savings when you change jobs or plans
- Plan ahead for expected and unexpected healthcare expenses
How an HSA works
You open an HSA in your name when you are enrolled in a qualifying high-deductible health plan. You make contributions over time, up to annual limits set by the IRS, and use the funds for eligible healthcare expenses.
Unused funds stay in your account and can be used as your healthcare needs change.
Maximum Contributions
| HSA Type | 2025 | 2026 |
|---|---|---|
| Single HDHP | $4,300 | $4,400 |
| Family HDHP | $8,550 | $8,750 |
Questions about HSAs?
A short conversation can help you understand how an HSA fits into your health plan and overall financial picture.
