About Health Savings Accounts (HSAs)

A health savings account (HSA) combined with a qualifying high-deductible health plan puts you in control of your health-care savings and spending.

Other Health Accounts
Compare HSAs with the other two main types of health accounts an employer might offer.

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HSA Eligibility
The main requirement for opening an HSA is having a qualifying high-deductible health plan.

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About HSA Health Plans
Health plans that you can use with an HSA must meet IRS guidelines for annual deductibles and out-of-pocket maximums.

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Health savings accounts (HSAs) are individual accounts offered by Optum BankSM, Member FDIC, and are subject to eligibility and restrictions, including but not limited to restrictions on distributions for qualified medical expenses set forth in section 213(d) of the Internal Revenue Code. State taxes may apply. This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment, and restrictions. Federal and state laws and regulations are subject to change.