Health Savings Account

GROUP HEALTH

Health Savings Account

A health savings account, or HSA, is a tax-free savings account that belongs to you. You can use your HSA to pay for your insurance deductible and qualified out-of-pocket medical expenses. Your HSA works with your lower-premium higher-deductible medical plan to cover your major medical expenses.

Think of HSA accounts as a medical 401(k)--only better! HSA contributions can be made pre-tax, grow and accumulate value tax-free, and if used for qualifying medical expenses can be distributed or withdrawn tax-free. And all of the funds deposited into your HSA account are 100% vested and yours to keep even if you change employers or if you change health plans and can no longer contribute to your HSA. The money in your HSA account is yours to keep until you spend it.

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