Health Savings Accounts

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Aetna health savings accounts (HSA)*

HSAs at a glance

How HSAs can work for you

You can put money into your HSA and, if you use it to pay for qualifying medical expenses, it’s all tax-free. And since there are no minimum balance requirements with an HSA, you’ll start earning interest right away.

Contributing to your HSA

There's no minimum contribution, but there is a limit to how much you can contribute each year. The federal government sets these limits. The easiest way to contribute to your HSA is through pre-tax payroll deductions at work. If your employer doesn’t offer this service, you can always make tax-deductible contributions yourself.

Your HSA and the IRS

Because your health savings account has tax advantages, your tax return will need to show how you used your HSA dollars. Your HSA administrator will send you a report with the details you need. You also can download a history of your HSA deposits and withdrawals from your secure member website.

Making the most of your HSA

Here are a few tips on how to get the most out of it:

  • Contribute the annual maximum if you can. This helps your health savings account grow to its fullest.
  • Take advantage of regular payroll deductions, if your employer offers these.
    Know that the money in your HSA rolls over year after year, letting you plan for future medical costs.
  • Go to your doctor for preventive care, such as routine physicals. Because this care is fully covered, you don't have to touch your HSA funds.
  • If you are 55 or older, consider "catch-up" contributions - they're a great way to build up your savings even more for medical expenses during retirement.

*HSAs are currently not available to HMO members in California and Illinois.


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