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eBanking Personal Banking Business

Health Savings Account (HSA)

  • No setup fees
  • No annual fee
  • Minimum balance required: $100
  • Monthly service fees based on balance:
    • $6.00 if balance < $100.01
    • $4.00 if balance > $100 but < $200.01
    • $2.00 if balance > $200 but < $300.01
  • Free Instant Issue MasterCard Debit Card
  • Free Internet Banking
  • Free Mobile Banking
  • Free Bill Pay
  • Free Mobile Deposit
  • Free Text Banking
  • Free e-Statements
  • Free individual and employer direct deposit contributions and electronic transfers

HSAs were established to provide persons covered by a high deductible health plan (HDHP) with a tax-free way to save for current and future healthcare expenses.

You may pay for a wide range of IRS-qualified medical expenses with your HSA, including many that aren’t typically covered by health insurance plans. This includes deductibles, co-insurance, prescriptions, dental and vision care, and more. For a complete list of IRS-qualified medical expenses and additional information on HSA accounts visit https://www.irs.gov 

Eligibility Requirements:

  • You must be covered by a high deductible health plan
  • You cannot have any other health medical coverage this is not a HDHP
  • You cannot be enrolled in Medicare
  • You cannot be claimed as a dependent on someone else’s tax return

SELF ONLY COVERAGE LIMITS

2020

2021

Maximum Annual HSA Contribution

$3,550

$3,600

Minimum Annual Deductible for HDHP

$1,400

$1,400

Maximum Annual Out of Pocket Expense Limit for HDHP

$6,900

$7,000

FAMILY COVERAGE LIMITS

2020

2021

Maximum Annual HSA Contribution

$7,100

$7,200

Minimum Annual Deductible for HDHP

$2,800

$2,800

Maximum Annual Out of Pocket Expense Limit for HDHP

$13,800

$14,000

The HSA catch-up contribution limit for participants who are 55 or older is $1,000.

Limits are subject to annual inflation-based adjustments.

First National Bank of Steeleville is not responsible for the determination of your allowable HSA contributions or whether you have “qualified medical expenses”. Determining your eligibility to establish an HSA and your allowable contributions and distributions may require the guidance of a tax or legal professional.