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Health Savings Accounts (HSA)

Health Savings Accounts are tax-exempt trusts or custodial accounts established exclusively for the purpose of paying or reimbursing qualified medical expenses of you, your spouse and your dependents.

If you meet one of the following requirements you are eligible for a Health Savings Account:

  • Have medical insurance coverage under an HSA-qualified “high deductible health plan” (HDHP)
  • Have no other first dollar medical coverage
  • Are NOT enrolled in Medicare
  • Cannot be claimed as a dependent on someone else’s tax return
  • Minimum amount to open of only $50

Account features:

  • Totally free interest-bearing checking account
  • MasterMoney® debit card for easy access
  • Monthly statement to easily track qualified medical expenses
  • IRS required reporting

Account benefits:

  • TAX SAVINGS – tax deductions when you contribute to your account
  • TAX-FREE earnings through investment
  • TAX-FREE withdrawals for qualified medical expenses