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  • Are you a small business owner and are looking to offer a HSA to
    your employees?
  • Are you an employee and currently pay a high deductible?

If you answered YES to one of the questions above then you may qualify for a HSA.

Q. If I can't afford a higher insurance premium, how can I save money for this account?

A. The great thing about the HSA is that contributions are not mandatory, you can choose the amount and frequency that fits your budget.



Health Savings Accounts (HSAs) are tax-friendly savings accounts that allow you to build a fund for future medical expenses that insurance may not cover.  The best part is the account is all yours and any unused funds may be used to supplement your retirement savings.  HSA contributions are made with pre-tax money, which means all contributions are tax-deductible.  Any interest earned on your account is tax-free.  Contributions may be made by you, your employer, or members of your family.  HSAs have a flexible contribution schedule allowing for lump sum contribution or periodic payments at any time and funds may be rolled over each year.

Anyone who is covered by a qualified High Deductible Health Plan (HDHP) and not another health insurance carrier or Medicare may be eligible to open an HSA.

The benefits of having an HSA include saving money through lower premiums and tax breaks; money deposited into your account may be used to pay the deductible or other out-of-pocket medical expenses; spouses can inherit the account without any tax consequences; and you can keep your account even if you change jobs, plans or retire.

Generally, once you have elected a high deductible health plan, the plan will mail you an information packet that includes the appropriate forms, which are to be completed by you and returned to the plan.  Come into one of our branches and we will help you through the application process.

For additional information on Health Savings Accounts, speak with a Five County representative at 1-800-750-0959, visit any of our branch locations, or email Stacy your questions.

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