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Health Savings Account (HSAs)

What are the contribution limits for an HSA?

All you fine HSA holders can save up to $3,350 for an individual and $6,750 for a family. If you're an HSA holders who is 55 years old or older, you'll get to save an extra $1,000, which means $4,350 for an individual and $7,750 for a family. These contributions are 100% tax deductible from gross income. Rad, right? The minimum annual deductibles are $1,300 for individual coverage or $2,600 for family coverage. Keep in mind, annual out-of-pocket expenses (deductibles, co-payments, but not premiums) cannot exceed $6,550 for individual coverage and $13,100 for family coverage.

How do I use my HSA Visa debit card?

You can use your card as a debit card with your PIN, you can sign for your qualified medical expenses like a credit card, and the card will work at ATM machines. You can make balance inquiries and deposits to your account like any other savings account — just remember, per IRS guidelines, this account can only be used for qualified medical expenses. Maybe those sweet new sneaks can be signed off by a doctor?

How many HSAs can I have?

All the HSAs! Seriously, you can have as many as you'd like, as long as the annual contribution limit in all your accounts don't exceed the annual contribution limits the IRS sets. So you can have an HSA with your employer's financial institution and your health plan's and you can open an Andigo HSA. Go nuts, kid.