Cuenta de ahorros para gastos médicos (HSA)

Es posible que pueda reducir sus gastos de atención médica al elegir un plan elegible para una cuenta de ahorros para gastos médicos (HSA, por su sigla en inglés), un plan de salud con deducible alto (HDHP, por su sigla en inglés) diseñado para usarse con una HSA.* Los planes HDHP pueden tener una prima más baja que los planes tradicionales y usar una HSA puede tener ventajas impositivas. Usar una HSA con su plan HDHP le brinda más control sobre su dinero para la atención médica.

* Debe estar inscrito en un plan de salud con deducible alto que califique para ser elegible para una HSA. No todos los planes HDHP son elegibles para usarse con una HSA, y es posible que otros factores afecten su capacidad para reunir los requisitos para obtener una HSA.

What is an HSA?

An HSA is similar to a personal savings account, with a few differences:

• An HSA can be used to help pay for deductibles, copays, or other qualified medical expenses that aren’t covered by your HDHP.
• Money deposited into an HSA and the amounts spent on qualified medical expenses (up to a certain limit), are tax free.
• If you’re enrolled on a plan offered through your employer, some employers will match what you contribute to your HSA—you’ll be surprised how quickly your savings can add up!
• An HSA is not a “use it or lose it” situation. The money in an HSA is yours and can be left to grow over time.

How do I sign up for an HSA?

Many banks and credit unions offer HSAs. Our preferred vendor is HealthEquity, whose integrated services work seamlessly with ours to meet members’ health savings needs. To learn more about qualifying for and enrolling in an HSA, call Member Services at 800-538-5038.

Note: This information should not be used as tax, financial, or legal advice. Personal advisers should be consulted before decisions are made that may impact tax liability.