健康储蓄帐户

A 健康储蓄帐户(HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP). An HSA allows you to pay for current health expenses and 保存 for future medical and retiree healthcare expenses on a tax-free basis. 贡献, 收益, and distributions are all exempt from federal income 税 when funds are used for qualified medical expenses.

You can use the HSA to cover expenses related to your High Deductible Health Plan until you meet your deductible. After your deductible has been met, your health plan coverage will then pay all or a portion of your medical costs, depending on the benefit design of the health plan. Any excess funds available in the HSA may be used for other qualified expenses, including dental and vision costs. Funds may also remain in the HSA to grow for use in future years.

开立HSA

Once you have opened your 元素 HSA, you will have access to the HSA Portal within 利记 and the mobile app. The Portal enables you to keep all of your important information, 比如文书和收据, 在一个地方, which makes for easy retrieval and reference later. Here’s a glimpse at other tools available through the HSA Portal: 

• 指示板 — overview of your balances and progress toward the HSA yearly limit.
• 可扣除的追踪 -链接您的健康计划(例如. Blue Cross Blue Shield) account, to take the guesswork out of your progress against your deductible.
• 保险公司的顾问 — provides actionable feedback about how you can get the most benefit from your HSA.
• 连接你的信用卡 — link personal credit and/or 借记卡s to your account so that no HSA purchase goes uncaptured. You can also link your savings or checking account for easy reimbursements.
• 投资账户 — view your investment account totals and move money to and from your Drive财富 account.
• 医疗保健蓝皮书 — a free consumer guide to help you determine fair prices in your area for health care services such as surgery, 住院, 去看医生, 或者医学测试.
• HSAStore.com — the only site exclusively focused on health savings accounts, and it’s the easy way to shop for HSA-eligible over-the-counter products. Using this online store takes the guesswork out of what products are eligible.

Note, the HSA portal is provided through a partnership between 利记app官网 and Bend Financial.

登录 to 你的 HSA Portal through 利记

利记app官网 HSA members have access to an investment program through Drive财富. Those who do not plan to use all of their HSA funds for current year medical expenses may wish to consider investing HSA dollars for potential added savings.

To invest, you must have an account balance of at least $2,500 in your HSA at the time of enrollment. Eligibility does not constitute enrollment in the program. You must actively elect to enroll to use the investment funding provided to you within the 元素' HSA.

Prior to meeting the $2,500 threshold, with Drive财富, you have the ability to pre-enroll. 通过我们的预注册选项, you set your investment account details along with your investment path now before reaching the minimum amount to invest. 然后, once your HSA hits the threshold needed, your investment account will be activated, and your HSA investing journey will officially begin.

Post eligibility and enrollment in Drive财富, you’ll be able to invest any amount over your cash threshold of $2,500. If your HSA account balance goes below $2,500, you will not be able to move additional funds to your investment account.

To begin the enrollment process, log into your HSA by clicking your 健康储蓄帐户 tile in 元素 online banking or mobile app. From the left navigation menu inside the HSA portal, select 投资账户 从导航栏.

If you wish to learn more about 投资选择, visit the HSA Portal Document Center in the HSA Portal, 哪些可以访问 登录利记 或者移动应用程序. There you can review the Investment Program details. Note that an active 元素 健康储蓄帐户 is required to access the HSA Portal Document Center.

If you have any questions about the Drive财富 investment program, including enrollment and transfer of funds, please contact the HSA Customer Support Center 寻求帮助 at 1 - 855 - 440 - 4 - hsa (4472).

Getting started is as easy as 1-2-3!

1. 网上开户- Open an account online in as little as 10 minutes. 或打电话 1-800-621-2105 开始吧. Have your government-issued ID (driver’s license, 状态标识, or passport) and your Social Security number ready.
2. 〇检查电子邮件 You will receive an email within one business day to notify you of account approval. 就是这样! 你的 健康储蓄帐户 is now open and ready for contributions from your employer.
3. 注册利记 进入HSA门户- The HSA Portal allows you to manage your HSA account. The HSA Portal is accessed within 利记 或者移动应用程序. Enroll in online banking to easily access the portal from your smartphone, tablet, or computer. Learn more about 利记.

开立HSA

See below for a list of form PDFs that can help you get started.

• HSA帐户协议
• HSA Authorized Debit Card User Form
• HSA供款表格
• 保险转移
• HSA Designation or Change of Beneficiary
• 保险公司信息披露
• HSA撤军
• HSA Membership Information Change Form

Looking to Learn 更多的 About HSAs?

If you’d like to better understand how you and your family can take full advantage of your 健康储蓄帐户, 访问我们的 HSA欢迎套件 页面 在我们的网站上. It’s full of helpful information about HSAs.

Whom do I call if I have HSA questions?

Our Customer Support Center is available to answer questions about your HSA and assist you with your High Deductible Health Plan (HDHP) or for questions about the HSA Product or Portal:

• By Phone — Call us toll-free at 855-440-4HSA (855-440-4472) Available 8:00am to 5:00pm Eastern Time, Monday through Friday

• 透过电邮- hsa@hghghw.com Please allow one business day for a proper response.

我已经有健康储蓄账户了? 我可以把它转移到元素吗?

是的! It’s easy to transfer your existing balance to 元素. Call one of our team members at 1-855-440-4472 东部时间早上8点到下午5点学习.

How are deposits made to my HSA?

If the HSA is offered through your work, your employer can deduct the amount from each paycheck for deposit into the account. If you wish to make other deposits, call the HSA Customer Support Center at 1-855-440-4472 查看存款说明.

What IRS reporting will I have to do each year for tax purposes for my HSA account?

You will need to complete IRS Form 8889 to be filed with your Form 1040 income tax filing each year, whether you itemize your deductions or not. This form reports your deposits and withdrawals from the HSA account. We provide an online workbook based on your account usage to assist you with form completion. This is provided for informational purposes only and is not considered tax advice. For specific assistance with tax reporting of your HSA account, please see your personal tax advisor. 元素 will send the 1099-SA for distributions to arrive at the end of January and the 5498-SA for contributions to arrive at the end of May.