An HSA with a high deductible health plan (HDHP) is the money-savvy way to pay for qualifying medical expenses. You’ll enjoy triple tax savings, including tax-free dividends that pay higher rates on larger balances, plus dividends to help you grow your funds. And by giving you another payment option for qualifying medical expenses, an HSA will help keep your savings account healthy too. Best of all, your HSA follows you from year-to-year, regardless of your current employer.

Other Advantages Of HSAs

Control - You make all the decisions about:
•How much money to put into the account
•Whether to save the account for future expenses or pay current medical expenses
•Which medical expenses to pay from the account
•Which company will hold the account

Portability - Accounts are completely portable, meaning you can keep your HSA even if you:
•Change jobs
•Change your medical coverage
•Become unemployed
•Move to another state
•Change your marital status

Ownership - Funds remain in the account from year to year, just like an IRA. There are no "use it or lose it" rules for HSAs.

Tax Savings - An HSA provides you with triple tax savings:
•1.) tax deductions when you contribute to your account;
•2.) tax-free earnings through investment; and,
•3.) tax-free withdrawals for qualified medical expenses.


Be sure to consult your tax adviser regarding the tax advantages of your HSA

Medical Expenses - publication 502 - IRS
Health savings account publication 969 - IRS
US Treasury HSA Resource Center

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Invest in your health.

*Consult a tax advisor.