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Winning with an HSA

Health savings accounts (HSAs) are among the most tax-advantaged accounts in the country. When paired with a high-deductible health plan (HDHP), HSAs provide you with a triple tax advantage. Money put into an HSA is not taxed, interest accumulates tax-free and funds can be used tax-free on qualified medical expenses. You own your HSA even if you change health plans or leave your employer. HSA funds also roll over each year so you can connect your health and wealth well into retirement.

The HealthEquity advantage

• Live support for members available 24/7
• Easy self-service on secure member portal
• Full integration with several major health plan partners
• Multiple investment options
• Plan comparison tools and cost calculators

HSAs empower savings

• Pay less each month! HSA-qualified plans typically offer lower monthly health insurance premiums
• Contribute money to your HSA tax-free
• Earn tax-free interest on HSA balances
• Spend your HSA funds tax-free on qualified medical expenses
• Invest your HSA funds tax-free to maximize your earning potential

Investing HSA funds with confidence

HealthEquity offers access to member-level investment advisory services. Advisor™ powered by HealthEquity Advisors, LLC, is a web-based automated investment advisor accessed through the HealthEquity member portal. Members can choose between two levels of advice based on personal risk preferences that best suit their needs and goals. Advisor™ uses member’s personal risk profile and dispenses individualized advice on:
• How much cash to keep in their HSA
• How much to invest
• How to optimally diversify among the available mutual funds to manage risk and maximize growth potential

HealthEquity Disclosure

HealthEquity does not provide legal, tax, financial or medical advice.

HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax-free with very few exceptions. Please consult a tax advisor regarding your state’s specific rules.

Investments available to HSA holders are subject to risk, including the possible loss of the principal invested and are not federally insured or guaranteed by HealthEquity, Inc.. HealthEquity, Inc. does not provide financial advice. HealthEquity Advisors, LLC™, a wholly owned subsidiary of HealthEquity, Inc. and an SEC-registered investment adviser, does provide web-based investment advice to HSA holders that subscribe for its services (minimum thresholds and additional fees apply). HealthEquity Advisors, LLC also selects the mutual funds offered to HSA holders through the HealthEquity, Inc. platform. Registration does not imply endorsement by any state or agency and does not imply a level of skill, education, or training. HSA holders making investments should review the applicable fund’s prospectus. Investment options and thresholds may vary and are subject to change. Consult your advisor or the IRS with any questions regarding investments or on filing your tax return.