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Health Savings Accounts (HSAs)

HSAs are a savings account to which you can make tax deductible contributions and from which you can make tax free withdrawals to pay for eligible medical expenses. Some people refer to the as a "medical IRA". Unused funds roll over from year-to-year accumulating with interest. You would be free to open an HSA account with any qualified trustee you wish and many major banks offer these accounts. You'll notice that many individual and family health plans today have "HDHP" in their name. This means the plan is designated as a High Deductible Health Plan and is a requirement for having an HSA.

Click here to read my article that explains the concept further. Let me know if you have any questions.

2018 HSA Contribution Limits

2017 HSA Contribution Limits


$3,450 $3,400

$6,900 $6,750

There is a "catch-up" contribution amount of $1,000 for those who are age 55 or older.

Talk with your tax or financial advisor about whether these tax-favored accounts are right for you. For quotes and information on HSA-compatible health plans (HDHP) we'll be happy to help you.


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