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Health Savings Accounts

Access Your Account
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:

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 Customer Support team at 1-800-822-2651. 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
Individual/Single Coverage
Family Coverage (2+ Lives)
Catch-up Contributions2
2024 Contributions
Individual/Single Coverage
Family Coverage (2+ Lives)
Catch-up Contributions2
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.
  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.

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