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Deposit, grow and spend money tax-free

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If you change jobs or retire, you won’t lose your HSA funds

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After reaching a certain balance, you can choose to invest

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Schedule your contributions

Check to see if your employer offers payroll deduction. Or arrange to make regular deposits yourself. When you sign in to your account, you can set up one-time or recurring contributions.

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Additional ways to contribute

You can transfer funds from or roll over to another HSA. Sign in to your account and download the HSA Rollover/Transfer Request for more information.

You may request a one-time contribution from a traditional or Roth IRA. Ask your IRA administrator for details.

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Deposit timing

If you have payroll contributions, the timing will be determined by your payroll calendar. Generally, your funds are available within one business day of deposit. Sign in to your account to check your balance.

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Save on taxes

With an HSA, you get tax savings in three ways:

  • Deposits are exempt from income tax.
  • Savings grow income tax-free.
  • Money spent on qualified medical expenses comes out of your HSA income tax-free.
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Contribution limits

Contributing the maximum allowed by law each year lets you get the most tax savings. Be sure to keep these contribution limits set by the IRS in mind.

2018 limits:
Individual coverage — $3,450
Family coverage — $6,850
Age 55+ — additional $1,000 catch-up contribution, meaning you can deposit an additional $1,000 per year. If your spouse is also 55 or older, he or she may establish a separate HSA and make a “catch-up” contribution to that account.

2017 limits:
Individual coverage — $3,400
Family coverage — $6,750
Age 55+ — additional $1,000 catch-up contribution, meaning you can deposit an additional $1,000 per year. If your spouse is also 55 or older, he or she may establish a separate HSA and make a “catch-up” contribution to that account.

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The five stages of health saving and spending

Whether you just opened an HSA or you’ve been contributing for years, you likely have questions. We all do. And how you use your HSA will likely change over time.

Most of us go through a five-stage journey as we save and pay for qualified medical expenses. Explore where you are in the journey.

Here’s a quick summary:

  • Decide: I’m thinking about opening an HSA.
  • Open: I have opened an HSA but haven’t used it much.
  • Use: I’m not sure how much to contribute.
  • Manage: I want tips for managing my HSA and potentially for investing.
  • Optimize: I’m turning my HSA into an investment and maximizing it.
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