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However, if they don’t, you can open a separate account.  ",[939],{"type":129,"attrs":940},{"color":12},{"type":18,"content":942},[943],{"text":944,"type":22,"marks":945},"An HSA can be opened at certain financial institutions, including a bank, an insurance company, or anyone already approved by the Internal Revenue Service (IRS) to operate IRAs. ",[946],{"type":129,"attrs":947},{"color":12},{"type":18,"content":949},[950],{"text":951,"type":22,"marks":952},"Anyone can contribute to your HSA, including household members, friends, and employers. ",[953],{"type":129,"attrs":954},{"color":12},{"type":18,"content":956},[957],{"text":958,"type":22,"marks":959},"If you have an HSA through your workplace, you can set up automatic contributions directly from your wages.  ",[960],{"type":129,"attrs":961},{"color":12},{"type":18,"content":963},[964],{"text":965,"type":22,"marks":966},"Any money you do not use in a given tax year is carried over to the next year without penalty. ",[967],{"type":129,"attrs":968},{"color":12},{"type":764,"attrs":970,"content":971},{"level":766},[972,978],{"text":973,"type":22,"marks":974},"How much should I contribute to my HSA?",[975,976],{"type":38},{"type":129,"attrs":977},{"color":12},{"text":775,"type":22,"marks":979},[980],{"type":129,"attrs":981},{"color":12},{"type":18,"content":983},[984],{"text":985,"type":22,"marks":986},"Each year, the IRS states contribution limits for HSA plans, detailing the maximum amount of money you can contribute to your plan in a given year.  ",[987],{"type":129,"attrs":988},{"color":12},{"type":18,"content":990},[991],{"text":992,"type":22,"marks":993},"These limits vary based on your plan type (self-only coverage or family coverage) and your age – those over 55 can take advantage of catch-up contributions to their own account. Unfortunately, these catch-up contributions cannot be made to a family account.   ",[994],{"type":129,"attrs":995},{"color":12},{"type":18,"content":997},[998],{"text":999,"type":22,"marks":1000},"Below is the 2024 HSA contribution limit: ",[1001],{"type":129,"attrs":1002},{"color":12},"article-rich-text",{"_uid":1005,"caption":12,"content":1006,"component":1024,"paste_content":1025,"hide_heading_row":543,"first_col_to_headings":543},"1cebf1c0-6b6e-4452-b904-cf09bfa4c33c",{"tbody":1007,"thead":1017,"fieldtype":1023},[1008],{"_uid":1009,"body":1010,"component":1016},"502f1f2c-26ca-47ac-9b80-a6336eeb68e8",[1011,1014],{"_uid":1012,"value":12,"component":1013},"5fd1d77f-050f-4dfc-a048-71019242aaf5","_table_col",{"_uid":1015,"value":12,"component":1013},"d7229cf1-6aee-4d80-9e65-182e6a131f7e","_table_row",[1018,1021],{"_uid":1019,"value":12,"component":1020},"a592d04c-3748-4efe-a29c-c106dba8dbb8","_table_head",{"_uid":1022,"value":12,"component":1020},"1d543882-6f55-4d89-bfce-836e59a57fff","table","article-table","\tSelf-only coverage\tFamily coverage\nHSA contribution limit\t$4,150\t$8,300\nHSA catch-up contribution limit\t$1,000\t",{"_uid":1027,"data":1028,"component":1003},"5f27ac0a-f81b-4980-b4e8-57d38a275317",{"type":15,"content":1029},[1030,1037,1057,1070,1077,1084,1149,1156,1163,1170,1177,1184,1197,1204,1211,1273,1280,1297,1310,1317,1324,1331,1338,1350],{"type":18,"content":1031},[1032],{"text":1033,"type":22,"marks":1034},"How much you decide to contribute to your HSA should be based on your budget and how much you can afford to pay in ",[1035],{"type":129,"attrs":1036},{"color":12},{"type":18,"content":1038},[1039,1044,1052],{"text":1040,"type":22,"marks":1041},"If you’re unsure about how to manage your finances, a ",[1042],{"type":129,"attrs":1043},{"color":12},{"text":1045,"type":22,"marks":1046},"financial advisor",[1047,1049,1051],{"type":31,"attrs":1048},{"href":824,"uuid":34,"anchor":34,"target":825,"linktype":36},{"type":129,"attrs":1050},{"color":12},{"type":829},{"text":1053,"type":22,"marks":1054}," can help. They will work with you to create a financial plan and budget that works for you and your family.  ",[1055],{"type":129,"attrs":1056},{"color":12},{"type":764,"attrs":1058,"content":1059},{"level":766},[1060,1066],{"text":1061,"type":22,"marks":1062},"What can I use my HSA for?",[1063,1064],{"type":38},{"type":129,"attrs":1065},{"color":12},{"text":775,"type":22,"marks":1067},[1068],{"type":129,"attrs":1069},{"color":12},{"type":18,"content":1071},[1072],{"text":1073,"type":22,"marks":1074},"As mentioned, your HSA can be used to pay for medical expenses such as deductibles, copayments, coinsurance, over-the-counter drugs, and other qualified medical expenses not covered by your plan. ",[1075],{"type":129,"attrs":1076},{"color":12},{"type":18,"content":1078},[1079],{"text":1080,"type":22,"marks":1081},"According to the Centers for Medicare & Medicaid Services government website, the money you contribute to your HSA can be used for out-of-pocket medical expenses, including: ",[1082],{"type":129,"attrs":1083},{"color":12},{"type":780,"content":1085},[1086,1095,1104,1113,1122,1131,1140],{"type":783,"content":1087},[1088],{"type":18,"content":1089},[1090],{"text":1091,"type":22,"marks":1092},"Acupuncture ",[1093],{"type":129,"attrs":1094},{"color":12},{"type":783,"content":1096},[1097],{"type":18,"content":1098},[1099],{"text":1100,"type":22,"marks":1101},"Ambulance costs ",[1102],{"type":129,"attrs":1103},{"color":12},{"type":783,"content":1105},[1106],{"type":18,"content":1107},[1108],{"text":1109,"type":22,"marks":1110},"Doctor visits ",[1111],{"type":129,"attrs":1112},{"color":12},{"type":783,"content":1114},[1115],{"type":18,"content":1116},[1117],{"text":1118,"type":22,"marks":1119},"Hearing aids ",[1120],{"type":129,"attrs":1121},{"color":12},{"type":783,"content":1123},[1124],{"type":18,"content":1125},[1126],{"text":1127,"type":22,"marks":1128},"Prescription drugs ",[1129],{"type":129,"attrs":1130},{"color":12},{"type":783,"content":1132},[1133],{"type":18,"content":1134},[1135],{"text":1136,"type":22,"marks":1137},"Psychological therapy/psychiatric care ",[1138],{"type":129,"attrs":1139},{"color":12},{"type":783,"content":1141},[1142],{"type":18,"content":1143},[1144],{"text":1145,"type":22,"marks":1146},"Qualified long-term care services ",[1147],{"type":129,"attrs":1148},{"color":12},{"type":18,"content":1150},[1151],{"text":1152,"type":22,"marks":1153},"In some cases, your HSA can also be used to pay for your spouse's or dependent's medical costs.  ",[1154],{"type":129,"attrs":1155},{"color":12},{"type":18,"content":1157},[1158],{"text":1159,"type":22,"marks":1160},"While your HSA cannot be used to pay for insurance premiums, there are some exceptions. ",[1161],{"type":129,"attrs":1162},{"color":12},{"type":18,"content":1164},[1165],{"text":1166,"type":22,"marks":1167},"Your HSA funds can be used to pay for premiums if you receive unemployment payments or your health coverage was purchased under COBRA.  ",[1168],{"type":129,"attrs":1169},{"color":12},{"type":18,"content":1171},[1172],{"text":1173,"type":22,"marks":1174},"If you choose to use your HSA to pay for non-qualified medical expenses, you will be subject to income tax and have an additional 20% tax penalty. Once you turn 65, this penalty is withdrawn.  ",[1175],{"type":129,"attrs":1176},{"color":12},{"type":18,"content":1178},[1179],{"text":1180,"type":22,"marks":1181},"To learn more about HSA withdrawal rules, click here.  ",[1182],{"type":129,"attrs":1183},{"color":12},{"type":764,"attrs":1185,"content":1186},{"level":766},[1187,1193],{"text":1188,"type":22,"marks":1189},"What are the pros and cons of an HSA?",[1190,1191],{"type":38},{"type":129,"attrs":1192},{"color":12},{"text":775,"type":22,"marks":1194},[1195],{"type":129,"attrs":1196},{"color":12},{"type":18,"content":1198},[1199],{"text":1200,"type":22,"marks":1201},"HSAs have several advantages and disadvantages. It’s best to consider these before you decide to open an account. ",[1202],{"type":129,"attrs":1203},{"color":12},{"type":18,"content":1205},[1206],{"text":1207,"type":22,"marks":1208},"Some of the advantages associated with an HSA include: ",[1209],{"type":129,"attrs":1210},{"color":12},{"type":780,"content":1212},[1213,1228,1243,1258],{"type":783,"content":1214},[1215],{"type":18,"content":1216},[1217,1223],{"text":1218,"type":22,"marks":1219},"Tax-free contributions and withdrawals",[1220,1221],{"type":38},{"type":129,"attrs":1222},{"color":12},{"text":1224,"type":22,"marks":1225}," – All contributions you make to your HSA are tax-free, and any money you withdraw to pay for qualified medical expenses is also tax-free. As mentioned, if you use your HSA funds to pay for anything other than medical expenses, you will have to pay tax.  ",[1226],{"type":129,"attrs":1227},{"color":12},{"type":783,"content":1229},[1230],{"type":18,"content":1231},[1232,1238],{"text":1233,"type":22,"marks":1234},"Tax-free growth",[1235,1236],{"type":38},{"type":129,"attrs":1237},{"color":12},{"text":1239,"type":22,"marks":1240}," – Your HSA funds can be invested in various investment tools, potentially allowing for higher returns; any growth is tax-free.  ",[1241],{"type":129,"attrs":1242},{"color":12},{"type":783,"content":1244},[1245],{"type":18,"content":1246},[1247,1253],{"text":1248,"type":22,"marks":1249},"Employer contributions",[1250,1251],{"type":38},{"type":129,"attrs":1252},{"color":12},{"text":1254,"type":22,"marks":1255}," – If your employer chooses to, they can also contribute to your HSA. This does not have to be matched, and the contribution is counted towards your annual limit.  ",[1256],{"type":129,"attrs":1257},{"color":12},{"type":783,"content":1259},[1260],{"type":18,"content":1261},[1262,1268],{"text":1263,"type":22,"marks":1264},"Money is rolled over",[1265,1266],{"type":38},{"type":129,"attrs":1267},{"color":12},{"text":1269,"type":22,"marks":1270}," – The money in your HSA does not expire and can be rolled from one year to the next. It stays in your account until you use it.  ",[1271],{"type":129,"attrs":1272},{"color":12},{"type":18,"content":1274},[1275],{"text":1276,"type":22,"marks":1277},"Some of the disadvantages of HSAs include: ",[1278],{"type":129,"attrs":1279},{"color":12},{"type":780,"content":1281},[1282],{"type":783,"content":1283},[1284],{"type":18,"content":1285},[1286,1292],{"text":1287,"type":22,"marks":1288},"Need an HDHP",[1289,1290],{"type":38},{"type":129,"attrs":1291},{"color":12},{"text":1293,"type":22,"marks":1294}," – In order to qualify for a HSA, you need to have a high-deductible health plan. An HDHP is a lower premium health insurance with a higher minimum deductible than traditional health plans. This means you must pay for medical expenses up to a certain limit before insurance kicks in.   ",[1295],{"type":129,"attrs":1296},{"color":12},{"type":764,"attrs":1298,"content":1299},{"level":766},[1300,1306],{"text":1301,"type":22,"marks":1302},"The bottom line",[1303,1304],{"type":38},{"type":129,"attrs":1305},{"color":12},{"text":775,"type":22,"marks":1307},[1308],{"type":129,"attrs":1309},{"color":12},{"type":18,"content":1311},[1312],{"text":1313,"type":22,"marks":1314},"As you get older, medical expenses increase, and healthcare can quickly become very expensive. ",[1315],{"type":129,"attrs":1316},{"color":12},{"type":18,"content":1318},[1319],{"text":1320,"type":22,"marks":1321}," HSAs are a great tax-advantaged way to save money, and by starting one early, if you meet the requirements, you can build up a nest egg of money to go towards your health-related expenses.  ",[1322],{"type":129,"attrs":1323},{"color":12},{"type":18,"content":1325},[1326],{"text":1327,"type":22,"marks":1328},"Planning your financial future can be hard work, but it doesn’t have to be. ",[1329],{"type":129,"attrs":1330},{"color":12},{"type":18,"content":1332},[1333],{"text":1334,"type":22,"marks":1335},"By working with a financial advisor, you can get expert guidance on managing your money and saving for your future, taking advantage of their in-depth financial knowledge and putting your money to work.  ",[1336],{"type":129,"attrs":1337},{"color":12},{"type":18,"content":1339},[1340,1346],{"text":1341,"type":22,"marks":1342},"Unbiased with an independent SEC-regulated financial advisor who will help you meet your financial goals. Simply fill out a two-minute questionnaire and connect with an advisor in as little as 48 hours. ",[1343,1344],{"type":38},{"type":129,"attrs":1345},{"color":12},{"text":775,"type":22,"marks":1347},[1348],{"type":129,"attrs":1349},{"color":12},{"type":18,"content":1351},[1352,1361,1367],{"text":1353,"type":22,"marks":1354},"Find your perfect financial professional today",[1355,1357,1358,1360],{"type":31,"attrs":1356},{"href":824,"uuid":34,"anchor":34,"target":825,"linktype":36},{"type":38},{"type":129,"attrs":1359},{"color":12},{"type":829},{"text":1362,"type":22,"marks":1363},". ",[1364,1365],{"type":38},{"type":129,"attrs":1366},{"color":12},{"text":1368,"type":22,"marks":1369},"  ",[1370],{"type":129,"attrs":1371},{"color":12},[1373],{"_uid":1374,"image":1375,"title":1380,"subtitle":12,"component":1397,"breadcrumbs":558},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":1376,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1377,"copyright":12,"fieldtype":1378,"meta_data":1379,"is_private":12,"is_external_url":543},13760833,"https://a.storyblok.com/f/185166/2352x1568/d60aeec275/what-is-an-hsa.webp","asset",{},{"type":15,"content":1381},[1382],{"type":18,"content":1383},[1384,1392],{"text":1385,"type":22,"marks":1386},"Health Savings Account (HSA): ",[1387,1390],{"type":25,"attrs":1388},{"class":1389},"primary-gradient",{"type":129,"attrs":1391},{"color":131},{"text":1393,"type":22,"marks":1394},"What is it, and how do they work?",[1395],{"type":129,"attrs":1396},{"color":131},"app-hero",{"name":1399,"created_at":1400,"published_at":1401,"updated_at":1402,"id":1403,"uuid":1404,"content":1405,"slug":1415,"full_slug":1416,"sort_by_date":34,"position":1417,"tag_list":1418,"is_startpage":543,"parent_id":1419,"meta_data":34,"group_id":1420,"first_published_at":1421,"release_id":34,"lang":730,"path":34,"alternates":1422,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Rachel Carey","2023-03-28T10:05:08.718Z","2025-01-28T12:05:49.815Z","2025-01-28T12:05:49.832Z",283076789,"b4ce951f-89c7-4ef6-97a8-709dc6d856e1",{"job":1406,"_uid":1407,"name":1399,"image":1408,"component":1411,"education":1412,"expertise":1413,"description":1414},"Senior Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1409,"alt":12,"name":12,"focus":12,"title":12,"filename":1410,"copyright":12,"fieldtype":1378,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","article-author","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",-10,[],224651374,"024abff2-15a6-4099-8ba2-25c01abe42e8","2023-04-03T07:50:42.397Z",[],[1424],{"_uid":1425,"body":1426,"title":1439,"component":1440},"628318e0-01e9-4c44-8673-bc4675b4f2b9",[1427,1431,1435],{"_uid":1428,"href":1429,"text":1430,"component":542,"openInNewWindow":558},"b8c496b4-d02f-41f0-9a41-6d98288dcac3","https://www.unbiased.com/discover/banking/hsa-vs-fsa","HSA vs FSA",{"_uid":1432,"href":1433,"text":1434,"component":542,"openInNewWindow":558},"5f3fb5d5-400a-4437-a99a-4e3f2dd08697","https://www.unbiased.com/discover/banking/hsa-withdrawal-rules","HSA withdrawal rules",{"_uid":1436,"href":1437,"text":1438,"component":542,"openInNewWindow":558},"e8b394a4-fb20-43cf-9bb6-760b176900af","https://www.unbiased.com/discover/banking/what-should-you-look-for-in-a-savings-account","What to look for in a savings account","Related articles ","app-links-list",{"_uid":1442,"title":1443,"plugin":1444,"og_image":12,"og_title":12,"description":1445,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"c3f64222-9032-4083-9217-68aee4707b71","Health Savings Account (HSA): What is it, and how do they work?","seo_metatags","What to learn more about a Health Savings Account or HSA? Discover what they are, how they work, and the pros and cons of having one here.","app-article",[],[],"Discover more about a Health Savings Account, or HSA, what they are, how they work, and the pros and cons of having one.  ",[],"what-is-an-hsa","discover/banking/what-is-an-hsa",-3180,[],365515562,"e6223835-92e7-4db2-a7e0-6682f4fa4b57","2024-01-16T16:05:10.256Z",[],{"left":727,"top":727,"width":1460,"height":1460,"rotate":727,"vFlip":543,"hFlip":543,"body":1461},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1463,1466,1467],{"title":1464,"exact":558,"href":1465},"Home","https://www.unbiased.com",{"title":381,"exact":558,"to":394,"disabled":543},{"title":750,"exact":558,"to":1468,"disabled":558},"/discover/banking/what-is-an-hsa",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1470},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777540290729]