Health Savings Accounts
Save for healthcare tax-free, paired with a MightyWELL HSA-eligible plan.
What is an HSA?
A tax-advantaged account for qualified medical expenses.
Paired with an HSA-eligible High Deductible Health Plan (HDHP), it earns a triple tax benefit.
The Triple Tax Advantage
Tax-deductible contributions
Lowers taxable income. Payroll contributions also skip 7.65% FICA.
Tax-free growth
Interest and investment gains are never taxed.
Tax-free withdrawals
Qualified medical expenses, tax-free at any age.
2026 HSA Contribution Limits
Annual contribution limits
- Self-only coverage
- $4,400/year
- Family coverage
- $8,750/year
- Catch-up (age 55+)
- +$1,000
HDHP eligibility requirements
- Self-only minimum deductible
- $1,700
- Family minimum deductible
- $3,400
- Self-only out-of-pocket max
- $8,500
- Family out-of-pocket max
- $17,000
Why an HSA?
No "use it or lose it"
Unlike FSAs, funds roll over and never expire.
Portability
Yours to keep when you change jobs or retire.
Retirement powerhouse
After 65, any use is penalty-free.
Broad qualified expenses
Doctor visits, prescriptions, dental, vision, and more.
Investment growth
Invest balances above a threshold for long-term growth.
Open Your HSA
Through our banking partner, Pinnacle Financial Partners.
- FDIC-insured deposits
- Debit card for qualified expenses
- Online and mobile access
- Investment options
Ready to Start Saving?
Get a quote for an HSA-eligible plan.