Skip to Content
    patient in doctor's office

    Health Savings Accounts

    Health Savings Accounts

    Health Savings Accounts for peace of mind.

    Be financially prepared for every healthcare cost that comes your way. United HSAs are available through your employer’s benefit plans. If you’ve already enrolled in a United HSA, you can access your account here:

    Access Your HSA Account

    What’s a Health Savings Account?

    If you’re enrolled in a high-deductible health plan (HDHP), you can use a Health Savings Account to save and pay for qualified medical expenses. An HSA is a tax-advantaged savings account—contributions are typically taken from your paycheck pretax, the interest and earnings are tax deferred, and, if you use the money for qualified medical expenses, the withdrawals are tax free.
    man and dog signing up for HSA

    Why should I open an HSA?

    HSAs offer triple tax advantages and can be used as a long-term tool for savings. Your balance will roll over each year, so it’s yours (not your employer’s!) to take through job changes, life changes, and retirement.
    Then, at age 65, you’ll be able to use the funds you’ve saved in your HSA for both qualified and nonqualified expenses. The nonqualified expenses will be taxed, but you won’t receive the 20% penalty that’s incurred before the age of 65.

    Easy HSA Enrollment

    1. Enroll

    It starts with your employer, who will provide instructions on how to open your United HSA.

    2. Participate

    After you sign up for your HSA benefit, we'll provide you with all the materials you need.

    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.
    mom and daughter accessing United HSA

    The Benefits of Saving with United

    Your United Health Savings Account (HSA) comes with:

    • No minimum balance 
    • Free HSA debit card
    • Digital banking access
    • Personalized HSA portal with your tax savings to date, transaction details, and receipt storage
    • Monthly eStatements and annual reports
    • One-time $10 setup fee and $2.75 monthly service charge 
    United's HSA portal dashboard

    Your HSA Portal

    Stay up to date with your expenses and progress at all times. Enroll in our HSA portal to:

    • View your account balance, tax savings, and contributions
    • Track your out-of-pocket expenses and store your receipts
    • Plan your contributions to meet your current needs and see how much you can save by retirement
    • Link your healthcare plan and track your deductible, out-of-pocket maximums, and medical claims

    HSA Contributions

    Participants may contribute up to the maximum allowed by law. Contribution amounts are based on IRS limits.1
    Year Individual/Single Coverage Family Coverage (2+ Lives) Catch-up Contributions2
    2023 Contributions $3,850 $7,750 $1,000
    2024 Contributions $4,150 $8,300 $1,000
    Previously, the Family HSA total contribution limit was double the Individual HSA contribution limit. In 2023, that limit has increased to double the Individual HSA limit plus $50.

    Learning Resources

    woman using credit card Interest Rates Explained
    Interest rates affect how much we pay for the money we borrow and how much we make on the money we save. For instance, you may pay a 20% annual percentage rate (APR) on money you borrow using a credit card. At the same time, you may make a 3% annual percentage yield (APY) on the money you save in a savings account.
    Read Article
    student doing homework Student Checking at a Student-Friendly Cost
    When you’re in high school, college or trade school, you can expect to do a lot of learning outside the classroom, too. It’s the prime time to start growing your financial literacy, take control of your own money, and spend it as wisely as you can.  A student checking account can help get you started and stay on the right track.
    Read Article
    college graduate Top 5 Budget Tips for Recent College Grads
    Congratulations on reaching a major milestone in your life! As you enter your new world of work, establishing good financial habits can help you get where you want to go and avoid common pitfalls along the way. Use these five tips to create a budget you can stick to.
    Read Article
    1. 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.

    External Link Disclaimer

    You are leaving United Community and being directed to a third-party site that is not maintained, owned or operated by United Community Bank. United Community does not control and is not responsible for the privacy or security practices of the third-party. By clicking “Accept,” you are requesting to be transferred to the third-party website. If you do not want to visit the page, you can close this page by clicking "Return To Site”.