Health Savings Account (HSA)

Start planning for future healthcare expenses and enjoy multiple tax advantages by opening a Health Savings Account (HSA) with United Community Bank. An HSA helps you control costs and promotes freedom of choice for consumers. You'll get easy access to your money while earning tax-free interest on your balance.

Access Your HSA
  • Use pre-tax income to pay for an extensive list of eligible medical, dental, vision and prescription costs
  • Must be used in conjunction with a High Deductible Health Plan (HDHP) 
  • Functions like a checking account, allowing you to pay for qualified healthcare expense by check or free debit card
  • Manage your account with free online banking, monthly eStatements and year-end reports for tax purposes
  • No minimum opening or ongoing balance requirements
  • Unspent dollars automatically roll over each year 
  • Earn competitive interest on your account balance
  • Fully portable account that isn't linked to your employment
  • Tax-deductible contributions taken from gross pay with no federal or state taxes paid
  • Use your funds in retirement to cover medical expenses tax-free
  • Friends, family and employers can contribute to the account
  • View our Health Savings Account tutorial

HSA Contributions1

Participants may contribute up to the maximum allowed by law. Contribution amounts are based on IRS limits.

  2019 2020
Individual/Single Coverage $3,500 $3,550
Family Coverage (2+ Lives) $7,000 $7,100
Catch-up Contribution2 $1,000 $1,000

It’s as easy as 1-2-3

Step 1: Enroll  Your employer will provide instructions on how to open your United Community Bank HSA.

Step 2: Participate  After you sign up for your HSA benefit, we will provide you with all the materials you need.

Step 3: Contact Us  Whenever you have a question, contact our HSA Customer Support Center at 1-866-719-6039. Contribution limits and important account information change on an annual basis, so feel free to ask us.

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1Please note: To be eligible for an HSA account you must be enrolled in a High Deductible Health Plan (HDHP), cannot have additional healthcare coverage including Medicare or VA benefits, and cannot be claimed as a dependent. HSA accounts cannot be rolled or transferred into any IRA account.
2Those age 55 and older may contribute an additional amount as shown as a catch-up contributor.