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Employer-sponsored Health Savings Account (HSA)

ALL ABOUT HSAs
Plan, save, and pay

Manage your health care costs

Put tax-free money into an HSA to help pay for current and future health care expenses. If you don’t use all the money, that’s OK. It rolls over, year after year. And if you change employers or health plans, the HSA goes with you.

Build retirement savings for a healthy future

With an HSA, you can set aside money to help cover your health care expenses in the future, even into retirement. It’s like a 401(k) for health care, with options to invest and grow your balance. And it gets even better — your contributions, earnings and withdrawals are all tax-free.

Enjoy easy access to your money

Your employer may offer the PayFlex Card® with your HSA. If so, you can use the card to pay for eligible expenses at qualified merchants. Don’t have the card? No problem. Just pay for those expenses out of pocket. Then pay yourself back with your HSA through the PayFlex Mobile® app or website. You can even request payment directly to a provider.

FIND THE RIGHT HSA FOR YOU
We offer two HSAs

 

Employer-sponsored HSA

This HSA must be offered by your employer. To enroll, contact your employer or benefits department.

Already have an HSA with us? Sign in to access your account

Individual HSA

You can open an Individual HSA on your own, even if your employer doesn’t offer an HSA plan. Families who already have an HSA could open an Individual HSA for a spouse or adult child (up to age 26).

Interested? Head over here to learn more

 

 

 

ALL ABOUT HSAs
Get more with a PayFlex HSA

Saving for you and your employees

Your organization will receive income tax deductions on the funds you contribute to your employees’ HSAs. Along with these tax savings, you’re helping your eligible employees plan, save, and pay for their health care needs today, and into the future. And PayFlex offers exclusive discounts that help increase purchasing power. That can help their health care dollars go even further.

Tapping the unique savings potential 

Unlike a 401(k) or IRA, an HSA lets your employees use their account for eligible health care expenses — without paying taxes at withdrawal. This can mean saving thousands on health care costs in retirement. An HSA offers multiple tax advantages. Employees can invest their funds so it grows, tax-free. Plus pretax payroll deductions aren’t subject to the 7.65 percent FICA tax.

Paying for health care just got easier

The PayFlex Card® can give your employees instant access to their HSA to pay for eligible expenses at qualified merchants. Members can even use our Eligible Expense Scanner in the PayFlex Mobile® app to find out what’s eligible.

 

COMMON ELIGIBLE HEALTH CARE EXPENSES
Tax-free spending on eligible health care expenses

Check out the list of common eligible health care expenses. Use the search bar to find specific items and services. Or you can click on the column headers in the table to see which are eligible, eligible with a Letter of Medical Necessity (LOMN), or not eligible. 

 
 
FIND OUT IF AN EXPENSE IS ELIGIBLE
 

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UNDERSTAND YOUR OPTIONS
Let's take the mystery out of pretax accounts

Not sure which account is right for you? Compare accounts and find the solution that fits you best. Be sure to check your plan to see which accounts are offered.

COMPARE ACCOUNTS

COMMON QUESTIONS
Learn more about HSAs