Group
Health Savings Account
Triple-tax-advantaged savings paired with an HDHP.
HSAs let employees set aside pre-tax dollars for medical expenses when paired with a qualified high-deductible health plan (HDHP). Contributions, growth, and qualified withdrawals are all tax-free.
Why it matters
- Triple tax advantage
- Employer and employee can contribute
- Funds roll over year to year
- Portable — belongs to the employee
Typically included
- · Qualified medical, dental, and vision expenses
- · Prescription costs
- · Medicare premiums (after 65)
Usually not included
- · Non-qualified expenses (subject to tax + penalty before 65)
FAQ
Questions we hear about Health Savings Account.
Do I need an HDHP?+
Yes — HSAs require enrollment in a qualified high-deductible health plan.
What are the contribution limits?+
IRS sets annual limits each year — we'll share current limits and catch-up rules during enrollment.
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