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Health savings account (HSA) benefits
Pay for medical expenses today and save for the future. Learn how an HSA can put you on the path to personal and financial well-being.
High-deductible health plan with HSA
Helping you save for health care, and your future
Coverage that helps take care of the whole you, physically and financially. Learn why a high-deductible health plan (HDHP) paired with an HSA may be right for you.
3 reasons to choose an HSA
Pay medical costs. You get help to pay for eligible expenses your health plan doesn’t cover. Or for out-of-pocket costs like copays, coinsurance and deductibles.
Lower your taxes. The money you put into an HSA is tax free. That lowers your income that is taxed. And the money you take out to pay for eligible expenses is never taxed.
Save for the future. The money in your HSA rolls over year after year. It earns interest. And it’s always yours to save for retirement or wherever your journey takes you.
We know that enrolling in health insurance can be challenging.
And many people don’t know where to start.
At Aetna®, we want you to feel great about your health and coverage.
That's why we're here to help you plan and save for your health care.
Choosing the right health plan can be easier than you might think.
Let’s begin with a high-deductible health plan – HDHP for short.
A high-deductible health plan comes with a lower premium, meaning less money will come out of your paycheck for coverage.
So when you select an HDHP, you’re already saving.
A high-deductible health plan can be combined with a health savings account (HSA). And when they are paired together, you can save even more.
You can contribute money from each paycheck into your HSA.
When you contribute to your HSA with the money you save from your lower premiums, you give yourself tax-free dollars.
That’s right - this is the only tax-free financial account where you can gain interest and save money while spending on qualified health expenses.
Funds in your account roll over from year to year.
And that’s how an HSA can help you build a better financial future.
As you watch your savings grow, you’ll worry less about paying for your health in the future, something your 401(k) will thank you for.
Your money will grow for future financial stability, which means tax advantages, less stress and better well-being.
So if life throws you a curveball, your HDHP and HSA will help keep you covered.
Your health plan should take care of the whole you — both physically and financially.
By choosing an Aetna® HDHP and an HSA, you’re making the right choice for your personal well-being.
Questions? We’re here to help.
How do I contribute to my HSA?
Have an HSA through your employer? You can direct money from your paycheck into your account. Your employer can contribute, too. Have an HSA on your own? You can add money from a linked bank account or send a check at any time.
How much can I add to my HSA?
The IRS sets a limit on how much you can add to your HSA each year. For 2024, it’s $4,150 for individuals and $8,300 for families. Are you 55 or older? You can add an extra $1,000 every year.
What can I pay for with my HSA?
You might be surprised at all the health expenses you can pay for with your HSA. Cough medicine... prescription contact lenses... copays. And there’s more.
What if I don't use up my HSA?
The money in your HSA is always yours, even if you change jobs or health plans. You can use your HSA to pay qualified expenses today. Or let it grow and earn interest for the future.
Legal notices
Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna).
Health benefits and health insurance plans contain exclusions and limitations.
There may be fees associated with a health savings account (HSA). These are the same types of fees you may pay for checking account transactions. Check the HSA fee schedule in your HSA enrollment materials for more information.
Investment services are independently offered through a third-party financial institution. By transferring funds into an HSA investment account, you can potentially benefit from capital appreciation in the value of mutual fund holdings. However, you will also be exposed to several risks, including the loss of principal. You should always read the prospectuses for the mutual funds you intend on purchasing to familiarize yourself with these risks.
The HSA investment account is an optional, self-directed service. We do not provide investment advice for HSA investment account participants. You are solely responsible for any investment account decisions you make. Mutual funds and brokerage investments are not FDIC-insured and are subject to investment risk, including fluctuations in value and the possible loss of the principal amount invested. The prospectus describes the funds’ investment objectives and strategies, their fees and expenses, and the risks inherent to investing in each fund. Investors should always read the prospectus carefully before making any investment decision. System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance, and other factors.
HSAs are currently not available to HMO members in California and Illinois.