A better HSA option is finally here.
An Accuplan Benefits Services HSA is unlike other health savings accounts out there. Earn on idle HSA funds through a modern and personalized account.
Save
Earn
Health Savings Accounts (HSA)
Save. Earn. Pay.
Why we are different
Low-fee
We pride ourselves on our low to no cost structure. We are talking a few dollars for all business accounts and no cost for individual accounts. That's what you can expect. No hidden fees. Ever.
Self-Reimburse
Whether it be a doctor bill or paying yourself back, you can expect easy-breezy bill pay and reimbursement with our platform. Pay for health care in the way you want, and reimburse yourself quickly.
Independence
Don’t depend on your employer to provide you with necessary tools like an HSA. Cut out the middleman and do this for yourself and your family.
Learn More about Accuplan’s HSA Account Offerings
Schedule a meeting with one of our experts today.
How we are better for your business
Finding an HSA provider that has a more transparent, low-cost account fee schedule is now easier than ever. With Accuplan, you not only have complete control of your health savings account, but you also can earn interest on your contributions.
Intuitive Administration
We created our administrative backend with you in mind—easy 24/7 access to everything you need to manage your business account fully.
Fully Dedicated Support
Our support staff understands the importance of the service you are providing. We are available to chat online or over the phone. Get in touch now!
Provide Better Benefits
We know you want the best HSA accounts for your employees. Let us provide the perks without the expense. Offer the ability to invest contributions and earn on savings.
Get started today with your own Accuplan HSA
Open an AccountFrequently Asked Questions
HSA money is yours to keep. Unlike a flexible spending account (FSA), unused money in your HSA isn't forfeited at the end of the year; it continues to grow, tax-deferred.
Anyone can make an after-tax contribution to your HSA. Generally, contributions another person makes to your HSA will not be tax-deductible for the contributor, and the IRS's annual contribution limits will still apply. See IRS Publication 969 for more on annual HSA contribution limits.
The IRS defines HSA contributions each year. For 2023, HSA contribution limits are S3,850 for individual health plans and S7,750 for family health plans. For 2024, HSA contribution limits are S4,150 for individual health plans and S8,300 for family health plans.
HSA-eligible individuals age 55 or older during the tax year can contribute an additional $1,000 annually.
You're eligible to open and contribute to an HSA if:
- You're covered by an HSA-eligible health plan on the first of the month
- You're not covered by an ineligible health plan
- You're not enrolled in Medicare
- You cannot be claimed as a dependent on someone else's tax return
Generally, you are not eligible to open or contribute to an HSA if you are covered under a health plan that is not a high-deductible health plan (non-HDHP), with certain exceptions for plans with preventative care benefits and some types of permitted insurance and permitted coverage.
HSA-ineligible health plans include:
- A spouse's non-HDHP coverage that covers you. However, you still may be eligible to open and contribute to an HSA if your spouse has a non-HDHP that does not protect you
- Medicare or Tricare
- Veterans Affairs (VA) medical benefits received during the previous three (3) months
- A general-purpose health flexible spending account (FSA) or health reimbursement arrangement (HRA), including coverage through your spouse that pays or reimburses medical expenses before you meet your HSA-eligible health plan's deductible
HSAs are tax-advantaged in three ways.
- A personal HSA contributions using after-tax money may be federal income tax-deductible. If you have an HSA through your employer, you can make pre-tax payroll contributions—this type of contribution saves more on taxes than tax-deductible after-tax contributions.
- Spending your HSA money on qualified medical expenses is free of federal income taxes.
- If you invest some or all of your HSA money, any growth is also tax-free.