Health Savings Accounts (HSAs)

• Overview
• Contributions
• Withdrawals
• Rates & Fees

Security. Flexibility. Control.
Working in conjunction with a High Deductible Health Plan (HDHP), a Health Savings Account (HSA) allows you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis. Unlike most health insurance plans, there is no “use it or lose it” clause associated with an HSA. At the end of the year, any unused balance in your account will be carried over to the following year, allowing you to build the fund to cover future medical expenses.

Establishing an account is easy, and you'll immediately notice the difference in convenience and affordability.

• Easy payments. Carry the convenient HSA Visa Check Card with you to pay all your qualified medical expenses. You can also use INTRUST HSA checks to pay the expenses.
• 24-hour access. Access your account any time with INTRUST OnLine Banking or by calling Customer Service.
• Tax-free contributions. All contributions to your HSA are tax-free up to the allowable limit.
• Tax-free withdrawals. With an HSA, your withdrawals for qualified medical expenses are never taxed.
• It's easy to contribute. Utilize direct deposit, online transfers, credit cards or make your deposits in person.
• More choice. Choose your doctor and pharmacy, using your account to pay for all related qualified medical expenses.
• Security for the future. Because your HSA is yours alone, you can keep the account with you if you change jobs or retire. Plus, any money you don't spend remains in the account at the end of the year.

HSA Eligibility and Enrollment
To determine your eligibility for an HSA, your answers must match all of the following questions:

	Yes	No
1. Are you covered by a High Deductible Health Plan (HDHP)?
2. Are you covered by a second health insurance policy?
3. Are you enrolled in Medicare?
4. Are you listed as a dependent on any other income tax return?
5. Are you a legal U.S. resident?

If you meet these criteria, we invite you to apply now.