Health Savings Account

A Health Savings Account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP). An HSA allows you to pay for current health expenses and save for future medical and retiree healthcare expenses on a tax-free basis. Contributions, earnings, and distributions are all exempt from federal income taxes when funds are used for qualified medical expenses.

You can use the HSA to cover expenses related to your High Deductible Health Plan until you meet your deductible. 在你的免赔额达到之后, your health plan coverage will then pay all or a portion of your medical costs, 取决于健康计划的福利设计. Any excess funds available in the HSA may be used for other qualified expenses, 包括牙科和视力费用. 资金也可能留在HSA中，以增加未来几年的使用.

Open an HSA

一旦你开了你的个人储蓄账户, you will have access to the HSA Portal within Online Banking and the mobile app. 门户使您能够保留所有重要信息, like paperwork and receipts, in one place, 这样便于以后检索和参考. 以下是HSA门户网站提供的其他工具: 

• Dashboard -概述您的余额和向HSA年度限额的进展情况.
• Deductible Tracker — link your health plan (ex. Blue Cross Blue Shield) account, to take the guesswork out of your progress against your deductible.
• HSA Advisor — provides actionable feedback about how you can get the most benefit from your HSA.
• Link Your Credit Card — link personal credit and/or debit cards to your account so that no HSA purchase goes uncaptured. You can also link your savings or checking account for easy reimbursements.
• Investment Account — view your investment account totals and move money to and from your DriveWealth account.
• Health Care Blue Book — a free consumer guide to help you determine fair prices in your area for health care services such as surgery, hospital stays, doctor visits, or medical tests.
• HSAStore.com — 唯一一个专门关注健康储蓄账户的网站, 这是购买符合健康安全管理局要求的非处方药的简单方法. Using this online store takes the guesswork out of what products are eligible.

Note, the HSA portal is provided through a partnership between Elements Financial and Bend Financial.

通过利记登录您的HSA门户

Elements Financial HSA members have access to an investment program through DriveWealth. Those who do not plan to use all of their HSA funds for current year medical expenses may wish to consider investing HSA dollars for potential added savings.

To invest, you must have an account balance of at least $2,500 in your HSA at the time of enrollment. 资格不构成报名参加该计划. You must actively elect to enroll to use the investment funding provided to you within the Elements' HSA.

Prior to meeting the $2,500 threshold, with DriveWealth, you have the ability to pre-enroll. With our pre-enrollment option, you set your investment account details along with your investment path now before reaching the minimum amount to invest. Then, 一旦你的HSA达到所需的阈值, 您的投资账户将被激活, 你的HSA投资之旅将正式开始.

在DriveWealth发布资格和注册, 你可以投资超过2美元的任何金额,500. 如果你的HSA账户余额低于2美元,500, 您将无法将额外的资金转移到您的投资账户.

To begin the enrollment process, log into your HSA by clicking your Health Savings Account tile in Elements online banking or mobile app. 从HSA门户的左侧导航菜单中选择 Investment Account from the navigation bar.

如果你想了解更多的投资选择, 访问HSA Portal中的HSA Portal文档中心, which can be accessed by logging in to Online Banking or the mobile app. 在那里您可以查看投资计划的详细信息. Note that an active Elements Health Savings Account is required to access the HSA Portal Document Center.

如果您对DriveWealth投资计划有任何疑问, 包括注册和资金转移, 请联系HSA客户支持中心寻求帮助 1-855-440-4HSA (4472).

开始就像1-2-3一样简单!

1. Open an account online - 只需10分钟就能在线开户. Or call 1-800-621-2105 to get started. 你有政府颁发的身份证(驾驶执照)吗, state ID, (护照)和你的社会安全号码准备好了.
2. Check your email - You will receive an email within one business day to notify you of account approval. That’s it! Your Health Savings Account 是否已开放供款予雇主.
3. Enroll in Online Banking to access the HSA Portal - HSA门户允许您管理您的HSA帐户. HSA门户网站可通过利记或移动应用程序访问. Enroll in online banking to easily access the portal from your smartphone, tablet, or computer. Learn more about Online Banking.

Open an HSA

请参阅下面的表单pdf列表，这些列表可以帮助您入门.

• HSA Account Agreement
• HSA授权借记卡用户表格
• HSA Contribution Form
• HSA Transfer
• HSA指定或变更受益人
• HSA Disclosures
• HSA Withdrawal
• HSA会员信息变更表

希望了解更多关于HSAs的信息?

If you’d like to better understand how you and your family can take full advantage of your Health Savings Account, visit our HSA Welcome Kit page on our website. 里面有很多关于HSAs的有用信息.

如果我有健康安全管理局的问题，我该找谁?

Our Customer Support Center is available to answer questions about your HSA and assist you with your High Deductible Health Plan (HDHP) or for questions about the HSA Product or Portal:

• 通过电话-拨打免费电话855-440-4HSA (855-440-4472) 东部时间周一至周五上午8点至下午5点

• By Email — hsa@pescabl.net 请允许一个工作日的适当回应.

I already have an HSA? Can I transfer it to Elements?

Yes! 很容易将您现有的余额转移到Elements. Call one of our team members at 1-855-440-4472 8am-5pm Eastern to learn how.

How are deposits made to my HSA?

如果HSA是通过你的工作提供的, your employer can deduct the amount from each paycheck for deposit into the account. If you wish to make other deposits, call the HSA Customer Support Center at 1-855-440-4472 for deposit instructions.

What IRS reporting will I have to do each year for tax purposes for my HSA account?

You will need to complete IRS Form 8889 to be filed with your Form 1040 income tax filing each year, 无论你是否列出你的扣除项目. 这张表格报告了你在HSA账户上的存款和取款情况. We provide an online workbook based on your account usage to assist you with form completion. This is provided for informational purposes only and is not considered tax advice. For specific assistance with tax reporting of your HSA account, please see your personal tax advisor. Elements will send the 1099-SA for distributions to arrive at the end of January and the 5498-SA for contributions to arrive at the end of May.