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A health savings account (HSA) combines high-deductible health insurance with tax-free contributions, interest and withdrawals. It's an added benefit for many employees.
Your employees must have a qualifying high-deductible health plan (HDHP) to contribute to an HSA. They can save money in an HSA, as they would with any other interest-bearing account, and use their HSA dollars, tax-free, to pay for healthcare expenses incurred by the employee, their spouse or their dependents.
What isn't spent continues to grow, year after year. After employees reach age 65, they can choose to continue to use the HSA tax-free for healthcare expenses or use it for other purposes as taxable income.
To be eligible to set up an HSA, your employees:
Discovery Benefits, a sister company of Bell Bank, has industry-leading expertise in providing HSA benefits.
If you are interested in providing an HSA benefit for your employees, call Discovery Benefits at 701-239-6478 (Twin Cities area) or 701-239-6441 (Fargo area). Ask to speak to a representative about how you can maximize benefits and add value.
Real people with expertise you can count on. That’s what you’ll find at Bell Bank. We’re local, independently owned and available when you need us.
If you love banking at Bell, tell others to make the switch! When they open a new personal checking account with us, we’ll give each of you $50.
Save stacks of paper (and several trees) when you choose paperless statements. Plus, you’ll get $5 per deposit account the first time you switch to online paperless statements.
At Bell, we highly recommend that you install and update antivirus/anti-malware online security software to prevent fraudsters from accessing your personal information.