Health Savings Accounts

Earn Tax-free Dividends

All SPIRE HSAs earn dividends on any balance.

Withdrawals are also tax-free when used
for qualified medical expenses.

You may even be able to deduct your contributions on your
tax return if they are not done on a pre-tax basis
by your employer.
 

Customize Your Savings

You decide how much money to put into the account and you don’t have to contribute every year.

You can contribute:
For single coverage, up to $3,600 per year.
For families, up to $7,200 per year.
For those 55 years of age or older,
you can make an additional "catch-up" contribution of up to $1,000.

Your employer may make contributions as well.
 

Customize Your Expenses

Withdrawals for qualified medical expenses are never taxed.

You decide whether to pay current medical bills, including expenses
not covered by insurance or to save for future needs like
health insurance, long-term care expenses, or medical expenses
while unemployed, or retired.

All money left over grows tax-free, including interest.
Even if you switch jobs, become unemployed or retire, it’s yours.
It can even be passed on to loved ones.
 

No Minimum Balance or Service Fees

SPIRE HSAs do not require a minimum balance.

There are also no setup monthly service fees.
 

Free Direct Deposit

Set up a recurring auto transfer or direct deposit
a portion of your paycheck into your HSA to help you save.
 

Enjoy Your Free SPIRE HSA Visa^® Debit card.

With a SPIRE Health Savings Checking account, you will receive a free SPIRE Visa Debit card.

Your card number, expiration date, and name are all on the back to deter hackers and skimmers.

Learn more about SPIRE debit cards