Understanding HSA-eligible plans

Setting up HSAs

After you enroll in an HSA-eligible plan, you’ll need to open an separately to get started.

Research HSA providers online.
Check with your health insurance company to see if they partner with HSA financial institutions.
Ask your bank if they offer an HSA option that meets your needs.

Some HSAs have fees associated with them, like a charge for opening or closing the account and monthly maintenance fees.
Banking options, services, and features, like debit cards and online banking, may differ by HSA provider.
How you’ll make your pre-tax dollar deposits into your HSA may also vary.

Get more information on HSA-eligible plans (also called High Deductible Health Plans (HDHPs)), including both the minimum and maximum yearly deductible, from the IRS.

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