HSA Resources & Guides

A Health Savings Account (HSA) is a tax-advantaged savings account for people enrolled in a High Deductible Health Plan (HDHP). You contribute pre-tax dollars, the money grows tax-free, and withdrawals for qualified medical expenses are also tax-free — a triple tax advantage no other account offers.

You're eligible if you're enrolled in a qualifying HDHP, are not covered by Medicare, and are not claimed as a dependent. For 2026, your plan must have a minimum deductible of $1,700 (individual) or $3,400 (family) and a maximum out-of-pocket of $8,500 (individual) or $17,000 (family).

For 2026, the IRS limits are $4,400 for individual coverage and $8,750 for family coverage. If you're 55 or older, you can contribute an additional $1,000 catch-up amount. Contributions can be made through payroll deduction or directly until April 15, 2027.

HSA funds can be used for qualified medical expenses including doctor visits, prescriptions, dental care, vision care, mental health services, and more. After age 65, you can use HSA funds for any expense (non-medical withdrawals are taxed as income but have no penalty). See our complete list of eligible expenses.

Unlike a Flexible Spending Account (FSA), HSA funds roll over indefinitely — there's no "use it or lose it" deadline. HSAs are also portable (they stay with you if you change jobs), can be invested for long-term growth, and offer the triple tax advantage. Read our HSA vs FSA comparison for a detailed breakdown.

Yes. All of our tools are completely free, including HSA Autopilot (AI receipt tracking), the Health Plan Optimizer, Reimbursement Timing Advisor, and educational resources. Create an account to start tracking your receipts.